Latest responses to “How To Build A CD Ladder and Get The Highest Interest Rate” Copyright 2012, MoneyBlueBook.com 418290 2010-11-01T22:23:34-07:00 Kathleen I am going to do the exact same thing with the money I was coming into, but I didn't know it had a name for it. Great minds... 418280 2010-02-03T22:12:16-08:00 carolyn THANK FOR THE INFORMATION ON CD LADDER AND WILL USE THIS INFORMATION AND PASSED IT ON TO MY FAMILY AND FRIENDS THANK VERY MUCH. 418260 2009-06-11T15:45:08-07:00 Liquidity is key The goal here is to keep your monetary assets as liquid as possible. Yes, the rates will be higher for a 24 month CD, but if you invest in a long term CD and the intrest rates climb on you, you're stuck in the mud. You just have to stand by and wait to invest those funds when they mature. 418270 2009-05-29T16:11:17-07:00 DarkTemp Thanks for this CD ladder explanation. I keep hearing about why CD rates are so great but I've always found it difficult to understand why it made any sense to lock up so much savings money into a bank account deposit that you wouldn't be able to access for months or years. Looks like this CD ladder strategy is what it takes to make the longer term CD account rates worthwhile while not completely sacrificing my access to my own money. It was a tad confusing at first...but I finally got your CD ladder examples! 418250 2008-11-13T02:44:08-08:00 Better interest without laddering I noticed that when you make a one time initial investment into a 3 month CD, with the interest compounding, you will end up with a higher yield at the end of the 2 years than with laddering. 418240 2008-11-09T22:40:59-08:00 Not Your Fan CD ladder seems like a ridiculous idea if high yield accounts yield close to it as ladder step gets shorter it tends to the high yield account anyway