CD Laddering – Two-Year Rates With a Penalty-Free Exit Every Six Months
Build a CD ladder instead of one CD. Split the money across four CDs maturing at 6, 12, 18, and 24 months, and roll each rung into a new two-year CD as it comes due. Within two years every dollar earns the two-year rate, yet a rung matures every six months, so you’re never far from penalty-free cash.
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