simply smarter savings

simply smarter savings


CD Ladder

What are the benefits of a CD ladder?

CD laddering allows you to invest money in both short-term and long-term CDs so that you can benefit from higher earnings while having greater access to your funds. Benefits include:
     - Access to longer-term rates
     - Increased funds availability
     - Limited interest rate risk

How can I build a CD ladder?

Building a CD ladder is easy.  Follow these 3 simple steps:

1. Divide your total investment across multiple CDs with different maturity terms.
2. At Maturity of each CD, roll over your earnings into the longest-term CD within your ladder.
3. After the 1st rollover, CDs will automatically renew for the same term at maturity.