Discover how laddering strategies help investors manage risks in bonds and fixed-income products, and learn about its controversial role in IPOs for boosting stock prices.

A "CD ladder" may sound like some complex investing strategy, but it's actually very simple. It allows you to earn high interest without keeping all of your savings locked up for months or years.

CD laddering spreads your money across multiple CDs with different maturity dates, so you can earn high interest rates but have more frequent access to your cash. CDs are low risk and offer guaranteed ...