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What Is a CD Ladder and When Is It a Good Idea?A CD ladder is a savings strategy to put equal amounts of cash into multiple CDs. This lets you benefit from higher rates in long-term CDs. A CD ladder is an investing strategy which you buy multiple certificates of deposit (CDs) with different maturity dates. Learn how to build a CD ladder. What is a CD ladder? A CD ladder is a series of CD accounts set up to mature at different points in time. For example, let's say you have $3, earmarked to.
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