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Joined: Jul 2012
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BellaOnline Editor
Koala
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Koala
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Do you know what CD laddering is? CD laddering is a way to minimize the risks of interest rate increases and inflation when investing in certificates of deposit. A good CD ladder will maximize your return while minimizing your investing risks.

How To Diminish Risks With CD Laddering


Sandra Baublitz, Investing/Home Finance Editor
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Joined: Jul 2012
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BellaOnline Editor
Koala
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Koala
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Laddering can be used for bonds as well. Ladders can be spread out to whatever interval and length you choose.

Have you ever used CD ladders? Do you think you will use them? Have any more questions?


Sandra Baublitz, Investing/Home Finance Editor
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Koala
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Koala
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I forgot to add that you can ladder Treasury bills.


Sandra Baublitz, Investing/Home Finance Editor
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Joined: Jul 2012
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BellaOnline Editor
Koala
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Koala
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Do you invest in certificates of deposit?

Do you prefer short-term maturities or long-term maturities?

With interest rates so low, it may be wise to keep some money in short-term for when rates do rise.


Sandra Baublitz, Investing/Home Finance Editor
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Joined: Jul 2012
Posts: 2,025
BellaOnline Editor
Koala
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Koala
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You may want to save some money in a savings account. It's true they are hardly paying anything right now; but when interest rates rise you will have some money easily available to catch the better rates.


Sandra Baublitz, Investing/Home Finance Editor
Investing Website
Home Finance Website
Sandra Baublitz Author Webpage



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