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 ...

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 ...

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: ...

The individual bond ladder I created last year beat corporate bond ETFs on total return. Keeping average maturity around 5 years, targeting slightly lower credit quality in the BBB range, and buying ...

Municipal bond funds are facing increased risks from rising interest rates, inability to cover distributions, and possible tax law changes. Individual muni bonds provide greater certainty of cash flow ...

My wife and I are saving $50,000 to buy a rental property in 2027. Our CD ladder strategy should earn us around $2,100 in interest. Buying CDs now locks in today's top interest rates and protects us ...

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. Khadija Khartit is a strategy, investment, and funding expert, and an educator of fintech ...