A certificate of deposit (CD) is a savings account that offers several unique perks. Unlike regular and high-yield savings accounts, CD interest rates are fixed, so you'll continue to earn the same ...

High-yield savings account: According to DepositAccounts.com, as of December 2025, the top-yielding 1% of high-yield savings ...

CD laddering is a popular savings strategy in which savers spread their CD investments across CDs with different maturities. For example, instead of opening a $5,000 ...

Laddering reminds most people of a strategy often used when owning multiple CDs. Back when interest rates made them worthwhile, if you were trying to arrange cash flow, you could stagger the maturity ...

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,” ...

As an agent who has worked with hundreds of clients to help them build and protect their retirement nest eggs, I am now faced with helping my clients make the dramatic shift from the wealth management ...

Suzanne is a content marketer, writer, and fact-checker. She holds a Bachelor of Science in Finance degree from Bridgewater State University and helps develop content strategies. Laddering is an ...

Q: I hear a lot of investors talking about bond laddering these days. What does that mean and how does it work? A: "Laddering" refers to holding cash equivalent or income-yielding assets of different ...

Retirement income planning can be an exciting journey, and annuity laddering is a simple concept that most agents can understand and share with ease. It's not a complicated idea at all — once it’s ...

Rates on bonds, CDs and annuities have all risen in recent months, increasing the relative attractiveness of these financial products. One strategy of investing in these products is to buy multiple ...

Kevin Payne is a freelance writer and family travel and budget enthusiast behind FamilyMoneyAdventure.com. His work has been featured in Forbes Advisor, Credible, CreditCards.com, Bankrate, SlickDeals ...