CD laddering is an investment strategy to get good returns on your Certificate of Deposits while having access to some of the cash every year. If you were to have about $10k to set aside for CD laddering, your investments would look like this:
$2,000 towards a one year CD at 1.80%
$2,000 towards a two year CD at 2.25%
$2,000 towards a three year CD at 2.60%
$2,000 towards a four year CD at 2.90%
$2,000 towards a five year CD at 3.20%
If after the first year you don't need the matured $2,036 you would put it towards another five year CD and so on after each year. What do you think of this strategy?