28 Oct 2025 | 5 Mins Read
Create an Effective FD Ladder for Smart Savings in 2025
Flipitmoney
An FD ladder involves investing in multiple fixed deposits with staggered maturity periods to earn returns while keeping some funds liquid. This method balances liquidity and returns by allowing withdrawal of maturing funds without penalty fees while long-term deposits continue earning interest. It's suitable for various investors, including small savers.