Cd laddering is a financial investment technique that is used to protect an investor’s principal while maximizing the potential for earning a higher rate of return on the investment. The technique is also known as a stepped-up investment strategy.

With cd laddering, an investor divides their money among several certificates of deposit (cd) with different maturity dates. The idea is that as each cd matures, the investor can reinvest the money in a new cd with a higher interest rate. This will help to ensure that the investor always has access to a higher rate of return on their money, …