Modeling Agencies Inc. | CD's

Modeling Agencies Inc. notices one way to spread the wealth literally without losing too much flexibility is to "ladder" investments in CD's. Instead of just opting for a one year CD, divvy the money up among CD's with different maturities-say, a three month, sic-month, nine-month and one-year. It's an all weather strategy, says Greg McBride, senior financial analyst with Bankrate, which tracks interest rates. If rates rise dramatically, the ladder can be extended to longer in tervals, such as one year, three years and five years.

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