Discover how to build a CD ladder to strategically enhance liquidity and maximize interest. A step-by-step guide for balanced investing with certificates of deposit.

Certificates of deposit rates dipped moderately in the second half of 2024 due to Federal Reserve interest rate cuts but have bounced back in 2025, with the best CD rates falling into the 4.5% range.

A CD ladder consists of opening several CDs with different maturity dates. A CD ladder's benefit is you can earn high rates and also have access to portions of your money at frequent intervals. With a ...

You can start a CD ladder with as little as $5,000, or even less. A basic three-rung ladder could earn at least $434 in interest over three years. CD laddering gives you higher interest and rolling ...

A bond ladder is an investment strategy that involves purchasing multiple bonds that mature at different times. The ladder analogy is an apt visual tool to describe how bond ladders work: Each rung of ...

In today’s volatile interest rate environment, building a CD ladder can be a strategic way to secure steady returns while maintaining liquidity. This approach involves investing in certificates of ...

Investing in fixed-income securities such as bonds is a lower-risk way to earn a stable, passive income. While the returns may not be massive, you can sleep better knowing that your investments are ...

Ivanna Hampton: Here’s what’s ahead on this week’s Investing Insights. A silver lining has emerged as interest rates rise. We’ll explain how bond investors can benefit. Plus, a few ideas on how to ...

Retirees often give certificates of deposit short shrift, and that’s unfortunate. Leveraged properly, CDs can give people living on a fixed income the one financial necessity they need in retirement: ...