Show all

Can you explain “laddering” investment techniques?

advisers background

advisers background

New York - If you want to reduce the risk of inflation on your investment portfolio, you should consider using a technique known as "laddering."

Laddering is a method whereby your income producing investments such as bonds or certificate of deposits maintain a rolling maturity date. For example, you would make several investments that mature on different dates (i.e., six months). This allows you to close out the initial investment and re-invest proceeds in the current interest rate environment.

If interest rates are higher, you can invest in longer-term instruments and you can invest in shorter-term investments when interest rates are lower. Laddering also gives you the benefit of having specified investment mature simultaneously with the need of cash for various things such as college expenses or a wedding.

If you're looking for help managing your bond investments, consider working with a FEE-ONLY financial adviser from the Our network of FEE-ONLY advisers can offer unbiased advice, personalized guidance and help you make informed decisions about your bond investments. Ask us any question or obtain a free consultation at  Alternatively,  visit 1800ADVISER.COM to browse biographies of individual FEE-ONLY advisers and choose one or more to connect with. 


About Us

Founded in 1998, The Independent Adviser Corporation has assisted thousands of individuals, families, and businesses. We are 100% independent and objective and offer free private consultations. Our company publishes free investment research and educational materials, and when personalized financial or legal advice is needed, we connect clients with a network of FEE-ONLY professionals. For more information, become a member or to schedule a free consultation, please visit our website at or 1800ADVISER.COM