With the ladder set up, a CD matures every year. If you need access to the money, you can keep some or all of it once the CD ...

A mini CD ladder is the same concept as a regular CD ladder but with shorter-term CDs. You could build a mini CD ladder out of 3-month, 6-month, 9-month, and 1-year CDs to deploy the same strategy.

A mini CD ladder consists of only short-term CDs. For example, you might open a three-month, six-month and nine-month CD, and then reinvest the money in a nine-month CD as the term for each expires.

CD barbell strategy. A CD barbell is like a mini CD ladder, with only two accounts—like the ends of a barbell. You deposit some of your money into a long-term CD and some into a short-term CD ...

You could also set up a mini CD ladder with shorter-term CDs. For example, you could split up $7,500 into three CDs that will mature within a year, as shown below: 3-month CD: $2,500; 6-month CD ...

A mini CD ladder consists of only short-term CDs. For example, you might open a three-month, six-month and nine-month CD, and then reinvest the money in a nine-month CD as the term for each expires.

When the one-year CD matures, take that $2,000 plus the interest it earned and reinvest it into a five-year CD. Ideally, you repeat this until you have a five-year CD maturing every year.