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Watercooler: CD ladders can put you a step ahead
First Published Jun 14 2013 04:42 pm • Last Updated Dec 07 2013 11:33 pm

A certificate of deposit ladder may provide a good way to gain a step up on the personal finance climb. It involves setting up CDs at different maturity periods, allowing an investor to take advantage of interest rates spread out over time. Once the first CD matures after a year, it can be reinvested as a new ladder rung. If you’re interested in how a CD ladder works, several websites offer good information.

CDRateGuide.com • Discusses the basic approach to building a CD ladder portfolio, at http://bit.ly/19wkYNg.

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Interest.com • Provides brief CD ladder overview and calculator, at http://bit.ly/11cyQYr.

Investopedia • Covers variety of CD ladder topics, including laddering basics, considerations and benefits, at http://bit.ly/ZKOx8n.

MainStreet • Explains how CD laddering works, and how to set one up, at http://bit.ly/11XjH8V.

The Street • Focuses on developing a CD ladder strategy, at http://bit.ly/1bAVET2.

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