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.

A zero coupon US Treasury bond ladder is the core of my risk-managed, all-weather portfolio, offering predictable long-term returns and stability. Current long-term ...

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 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 ...

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 ...

CD ladders use different maturities to maintain access to funds at regular intervals while guaranteeing a return. Short-term CD ladders are often used as part of an emergency fund strategy. Long-term ...

Miranda Marquit, MBA, is a freelance contributor to Newsweek’s personal finance team. She has an M.A. in journalism from Syracuse University and has been writing and podcasting about money since 2006.

Not long ago, investors had to pay the U.S. government for the privilege of owning Treasury Inflation-Protected Securities. The real yields, that is the yields after factoring in inflation, were ...

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: ...