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How To Build A T-Bill Ladder 2024 (And Why You Should!)A CD ladder is a group of CDs with varying term lengths and rates. When a CD reaches the end of its term, you can renew it to keep your ladder building or. A CD ladder strategy allows you to get higher earn rates in the short term while still allowing for long-term flexibility with your money. A CD ladder is a savings strategy where you invest in several certificates of deposit (CDs) with staggered maturities.
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