What do you build a CD ladder, where you have money maturing at different times, and ensuring you lock in certain rates. One big benefit you know exactly how much money you are going to be making each month, and you know exactly when you are going to get your money back.

So in this video, we are going to build a CD ladder for 5 years, using current interest rates, and at the end of the video, I’ll tell you if this is something that I recommend as an investment.

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1. The definition of a CD
- This a certificate of deposit
- Some CDs have penalties, and make you money
- And some cd don’t have penalties and they make you less money and they don’t lock in rates for as long as the penalty ones

A CD ladder in Normal Language:
- If you have your money split between different CD that mature at different times
- So this way you can get your money when you want it and reinvest if you want to
- But this way you have all the money maturing at the same date, because you may need it

2. Let's do an Example with Real Numbers and Rates
- The. The company I selected for this example is Barclays, beucase they offer the most money, they are FDIC insured and they don’t have any minimums or fees
- However, they do have a penalty

Here is How we Build this Sheet
- First Name it
- Second Label it
- We are going through the amount of years
- The yield of each year
- Amount invested

Then we are going to use a future value to calculate the numbers

3. If you're watching this video, and you are obviously thinking about doing a CD ladder, you have to know that I don’t recommend it as an investment. You could make a lot more money from stocks, and potentially from bonds
- I wouldn’t do a ladder at all really
- If it's maybe for 2 years, and I know I’m going to need a portion the investments
- But for the most part, it doesn’t make sense to me

However:
- If you have 10 million dollars
- And you want to lock in some money, I still don’t recommend it, beucase it wouldn’t be covered under FDIC guidelines
- I would look into bonds

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*Some of the links and other products that appear on this video are from companies in which Tommy Bryson will earn an affiliate commission or referral bonus. Tommy Bryson is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. I'm an Accountant but I'm not your Accountant, always review information with your Accountant/CPA and your Financial Advisor.

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