CD Laddering Strategy | Fidelity CD Ladders | Certificate of Deposit | Bond Ladders

CD rates today are pretty good compared to where they were a year ago. In this CD laddering strategy video, I go over what CD ladders are and how they are similar to bond ladders. I also go over the pros and cons of buying a CD ladder vs buying an individual certificate of deposit. Then I cover Fidelity CD ladders and how to build CD ladders via brokered CDs on Fidelity.

CHAPTERS
00:00 INTRO
01:23 CD LADDERING STRATEGY EXPLAINED
02:26 BENEFITS OF CD LADDERS
03:14 RISKS OF CD LADDERS
05:25 METHOD 1 - FIDELITY CD LADDERS
10:53 HOW TO CANCEL AN ORDER
11:59 METHOD 2 - FIDELITY CD LADDERS
14:11 METHOD 3 - FIDELITY CD LADDERS

Check out my Fixed Income Investments Playlist here:

#cdladderingstrategy #cdladder #wolvesofinvesting

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DISCLOSURE:
At the time of publishing this video, I have net long positions in CDs, BTC via stock, warrant, options, or other means.

DISCLAIMERS:
1. I'm not a financial advisor and this is not financial advice. This video is based on my opinion, provided "as-is", and for entertainment purposes only.
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[WolvesOfInvesting]

Thanks for watching! 🙌
Check out my Fixed Income Investments Playlist here:

[wa]

Building a 15 month CD ladder with my recent lump sum pension all geared to fixed income

[odelebe]

Helpful video! Definitely considering opening an account!!! 🤔

[Krillinem]

Thank you so much for this information 🙏🙏🙏🙏

[dishantpatel]

How did the SI CDs do? Curious to see how the FDIC is treating defaulted CDs.

[tcbridges]

You can do a 1 year 4 teer cd ladder you don't have to roll and the end of each quarter. You would not roll say the first 3 month cd and in 3 months the cd amount would go to you investment account and also the interested it earned in the 1st quarter Correct. So a 4 teer at $50K each an the end of firth quarter take you $50K and the interest you earned. Is that my understanding correctly

[TuyenTran-jhsn]

Thanks for making this CD Ladder Video. It is very helpful for me to decide between regular CD and CD Ladder.

[happypappy]

4 percent is not actual profit. You have to divide those numbers by 4 per each quarter, correct?
So you're actually only receiving 1 percent. Correct?

[mikegiddens]

How often does fidelity compound the interest ? Daily ?monthly ? quarterly ? Yearly ? Or is it a straight 1 time 4% (example) of the original investment? For example if I invest 100.00, would it just be a simple $4 in interest when it reaches the maturity date ? Thank you

[joeriveracomedy]

I don't have a pc so my options are limited to the app. I build them on my own, never auto roll and manually choose each bank and interest.

[yungmi]

Hello Donnie, please do a video instructing us how to build T-bills ladder with Fidelity . Thankyou

[geraldf.]

FYI, THE FDIC INSURANCE IS "PER ACCOUNT" OR "PER CD"

[ARunForTheHills]

One question I have is

What is the purpose of reinvesting a matured CD into the longest time span once it reaches maturity? Taking your example, waiting for the 3 month to mature, then reinvesting in the 1 year; taking the 6 month and reinvesting it for the 1 year, etc. Would it be better to take the matured 3 month CD, reinvest it in a 6 month CD, wait for it to mature, then reinvest it to a 9 month one and so on?

[ryanhenry]

Do you know if Fidelity will include all CD earnings in the consolidated report each year? Going to set up a ladder but curious whether I will get 1099s from each institution. Thanks!

[GerryBlevins]

I use fidelity too and also plan on building a CD ladder too but Fidelity also offers CDs over 4% with a 3 month maturity. If I believe correctly I should get 4 dollars off of 100 shouldn’t I after 3 months once it reaches maturity.

What Im planning on doing is buy a every week with direct deposit and keep buying CDs over and over again.

Does fidelity CDs automatically roll over? I would prefer they don’t because eventually I want to build my CD where the value of the CD grows in size as well over three months and just keep stacking money on top of what just matured.

Plus also what does yield to worst mean. It sounds so terrible.

[loanchautran]

Dear Nguyen, thanks for your video. Can I buy a CD in my 401k fidelity account? Do they pay interest monthly?

[quyco]

Are you Vietnamese ?
You last name is Nguyễn??

[jettsteari]

Thanks for the vid. I happen to use fidelity only. Good video . But at this time, the way the fed is raising rates continuously and cd interest keep going up I am going for 1, 2, and 3 month ladders.

[jamessteinbrenner]

Hi Donnie, I was a member of you patreon. I have a question that is different from this video. do you have an email address that I can contact you? I just need an opinion, not financial advice. thank you