Get better benefits than regular FDs
FD laddering is a strategy where an investor spreads their investment across multiple FDs with different tenures and interest rates, creating a ladder of maturity dates.
Generally, fixed deposit interest rates are higher in the long term, but rather than putting all their money in a single account for long term, investors can maximize their returns through fixed deposit laddering strategy.
We should consider our liquidity needs and financial goals before implementing the FD laddering strategy. If you need higher liquidity, invest larger amounts in short tenure FDs and vice-versa.
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