The Advantages of a Certificate Of Deposit Ladder

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If investors are concerned about locking in low interest rates for a long period of time, then they should consider building a certificate of deposit ladder. A CD ladder as it is often called is an excellent investment tool to spread the risk of rising interest rates over several different certificate of deposit maturity dates in order to maximize the interest earned while keeping options open to the investor.

What Is A Certificate Of Deposit Ladder?

Certificate of deposit ladders stagger the maturity dates of CDs in a dollar cost average type of investment. To establish a CD ladder, an investor can open certificates of deposit at varying maturity dates such as six months, one year, two years, three years and five years. As each certificate of deposit matures, the investor will then reinvest the proceeds into a longer maturity. So, for example, as the one year certificate of deposit matures, the investor would purchase a brand new five year CD as all of the other certificates of deposit inch one more year closer to maturity. The investor would then have CDs over each year with one maturing every year resembling the rungs of a ladder, hence the name, CD ladder. Investors can also purchase multiple certificates of deposit in order to have a new CD maturing every month.

Advantages of a CD Ladder

The main advantage of a certificate of deposit ladder is that this type of investment leaves an investor flexible to take advantage of increasing interest rates. With a new CD maturing each year, the investor has new money to continually invest at what should be a higher interest rate in an economy where rates are increasing. This also protects the investor from needlessly locking in too much of his or her investment in long term CDs at low interest rates.

Certificates Of Deposit Are FDIC Insured

Certificates of deposit are insured by the Federal Deposit Insurance Corporation (FDIC). They are insured up to $ 250,000 per account at each financial institution that you bank with. This is a great benefit to investors. They can invest their money in certificates of deposit and CD ladders without the fear of losing their money because of a bank failure.

Certificates of deposit offer investors an excellent alternative to high yield savings accounts. CDs can provide investors with competitive interest rates over multiple maturity dates. And, building a CD ladder offers investors a great option to continue investing while waiting for higher interest rates in the future. CD ladders give an investor the flexibility to take advantage of increasing interest rates over the long term.

Hank Coleman is the founder of several financial blogs, focusing on topics such as how to find the most competitive certificate of deposit rates. He is an entrepreneur and professional in the government sector. Hank holds a Bachelor’s degree in Business Administration, a Master’s in Finance, and is currently studying for his Certified Financial Planning (CFP) credentials. Always looking for a trusted financial institution for advice and tips he tends to look up information at http://www.discoverbank.commore often than not.


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  • Programmatic accreditation provided by the Accreditation Council for Business Schools and Programs (ACBSP).
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  • Degrees in business, education, nursing, humanities and social sciences, theology and more. Find the degree that fits you.
  • Talk to us today to learn more about financial aid and start dates!

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  • B.S. in Accounting
  • B.S. in Finance and Economics
  • Degrees offered include Bachelor of Science in Accounting, Bachelor of Science in Business Administration, and Master of Business Administration.
  • Students are instructed in relevant business skills like communication, mathematics, and management.
  • Coursework emphasizes the development of project management, communication, decision-making, and problem-solving skills.
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  • Each program is designed to instill the knowledge, ethical values, and interpersonal skills of professional practice and to foster values of social responsibility.
  • Offers several flexible learning options, including a blended format that combines campus and online learning.
  • Several scholarship opportunities are available for students who qualify.

Programs:

  • Business Administration - Accounting (BS) (Online)
  • Business Administration - Finance (BS) (Online)
  • Earn your degree online from Ashford University!
  • Choose from Undergraduate and Graduate classes
  • Business, Health Care, Psychology and Liberal Arts programs to choose from
  • Apply Now! Classes begin every Tuesday!

Programs:

  • BA Finance

The Secret to Getting Ahead is Getting Started

Congratulations! Your interest in Independence University is an important first step toward changing your life. A career-focused degree is the key to a new career with a potentially higher income, better benefits, and more satisfaction.

We want to help you get that degree. Consider:

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2.       Save up to $5,000 on your college degree.† You can afford college with our new Fresh Start Scholarships!

3.       Tuition Assistance: Financial aid and grants are available to those who qualify.

Programs:

  • Accounting (BS)
  • Accounting - Forensic Accounting (BS)
  • Business Management & Accounting (AAS)

Making the decision to earn your degree and pursue your career goals could be the best decision you ever make. Enroll at ECPI University and you’ll join a collaborative and fostering learning environment, surrounded by faculty and staff who are there to support you through the entire process.


What sets ECPI University apart? Just ask the employers who hire our graduates. Since 1966, more than 3,800 employers have looked to ECPI for talented professionals who are capable of entering the workplace and doing the job right on the very first day. That’s because our curriculum is designed to meet the needs of today’s highly-specialized job market.

 

What Are You Waiting For?

Programs:

  • Accounting - Bachelor's
Locations:  Newport News

At Kaplan University, we offer over 180 degree and certificate programs. With three different ways to learn, you can choose the format that works best for you:

  • Study wherever you have an Internet connection, because almost all of our courses are 100% online, or
  • Take campus-based classes(with day and evening options available), or
  • Combine campus learning with online classes (blended).

Programs:

  • Bachelor of Science: Accounting
  • Bachelor of Science in Accounting : Public Accountancy
  • Bachelor of Science in Accounting : Managerial Accountancy
  • And more...
Locations:  Hagerstown
  • Online and ground-based program areas include Fashion Marketing and Management and more.
  • Students can study branding, event management, and public relations to help them prepare for a marketing career
  • Course topics include Fundamentals of Business, Brand Strategy, Project Management, and Principles of Market Research
  • Over 50 locations nationwide, with a student support team dedicated to helping students grow
  • Join our next Open House on 10/21 (10/28 @ select locations)!

Programs:

  • Marketing & Entertainment Management (BS)
  • Fashion & Retail Marketing (AS)