CD ladder vs. bond ladder: Which strategy is best for maximizing interest?

Learn what CD ladders and bond ladders are, the key differences between them, and how to decide which one you should choose. Read more: How to cash a savings bondPros and cons of a bond ladderWhen building a bond ladder, keep these pros and cons in mind:ProsRegular access to cash: Like a CD ladder, a bond ladder gives you regular, scheduled access to your cash. ConsOngoing maintenance: Bond ladders, like CD ladders, require ongoing maintenance and decision-making every time a bond matures. Which should you choose: CD ladder or bond ladder? Whether you choose a CD ladder or a bond ladder depends on your financial situation, risk tolerance, and goals.