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 "CD ladder" may sound like some complex investing strategy, but it's actually very simple. It allows you to earn high interest without keeping all of your savings locked up for months or years.

Certificate of deposit (CD) accounts offer savers a relatively easy and reliable way to grow their money. Simply deposit a certain amount into an account, let it sit untouched for the full CD 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.

A CD is a specific type of savings account (known as a time deposit account) that comes with a fixed interest rate and a ...

According to the CME FedWatch Tool, analysts predict a 91.7% chance of the Fed cutting rates at its Sept. 17 meeting -- and more cuts could follow. Certificate of deposit (CD) rates are already on the ...

CD rates are dropping in anticipation of the Fed potentially cutting its rates soon. This means that CD rates of 5% APY will likely decline and get less competitive. CD ladders can help you earn a ...

Finding ways to maximize the returns on your money can make a lot of sense in today's high-rate environment. For example, while certificate of deposit (CD) accounts are a smart option to consider ...

A CD is a specific type of savings account (known as a time deposit account) that comes with a fixed interest rate and a ...

When you climb a ladder, you are careful and move methodically to make sure your footing is firm, while fixing your eye on the top rung. The same goes for an investment strategy called “laddering,” ...

A CD locks in your money for a set period of time, also known as a term, in exchange for providing a guaranteed yield on the funds. CDs are offered in terms that typically range from three months to ...