The fixed deposit ladder strategy is a practical approach that could help you structure your FD investments for both safety and flexibility. In this video, we’ll take you through each step of the strategy with an example to illustrate how it works.
This strategy involves dividing your investment across multiple fixed deposits with varying tenures. This creates a “ladder” of FDs that mature at different intervals. This setup could allow you access to funds periodically. This might provide liquidity for unexpected expenses while still taking advantage of the stable returns that FDs offer.
We’ll demonstrate how to structure a ladder with an example investment of Rs. 5 Lakhs, breaking it down into FDs with staggered terms. You’ll see how this approach could balance the benefits of longer tenures, such as higher interest rates, with short-term access to funds.
We’ll also cover the key benefits of the fixed deposit ladder strategy, including enhanced liquidity, optimised returns, and reduced financial stress. Through this video you might be able understand how this strategy could be a valuable addition to your financial plan. This might help you achieve your goals while ensuring your funds are accessible when you need them.
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