Ladder your CD investments to take advantage of rising interest rates. To ladder your CD investments, choose several different CDs with different term periods and divide your money among them. If you have $2000 to invest, you can put $500 each in 2-year, 18-month, 1-year and 6-month CDs. After 6 months, take the 6-month CD investment with its interest and purchase another 2-year CD. Whenever a CD term is up, put it into another 2-year CD. This way, you'll always have a little money to invest in higher-interest earning CDs.

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