Laddering Share Certificates is an expression for using a variety of different term certificates so they come due to maturity at different times, meaning your money isn’t all locked in for the same length of time.
For instance, you may put your money into a 6-month certificate, a 1-year certificate, and an 18-month certificate with $6,000 each, so instead of $18,000 tied up in one certificate for a longer period of time, you have three different certificate terms. This is also a smart way to take advantage of rate changes in the marketplace and have money become available for expenses.
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