Benefits of CD Laddering
An investment strategy with CD laddering can maximize returns while minimizing risk. Investments in a CD ladder provide you with smaller Certificates of Deposit that mature at staggered dates, rather than a single large, long-term CD.
- Liquidity – You have available cash at frequent intervals.
- Flexibility – You decide when you want to invest more or less of your money.
- Higher Interest Rates – Once your ladder is established, you can choose longer-term CDs with higher rates with certificates still maturing frequently.
- Peace of Mind – If interest rates rise, you’ll have cash to take advantage of the best return. When rates fall, you still have money invested for the long term at higher rates.
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