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articles/hoa-reserve-fund-cd-laddering.html
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<p><strong>A simple five-rung ladder example ($250,000 investable):</strong></p> <p><strong>A simple five-rung ladder example ($250,000 investable):</strong></p>
<p>Rung 1 — $50,000 in a 3-month CD &nbsp;·&nbsp; Rung 2 — $50,000 in a 6-month CD &nbsp;·&nbsp; Rung 3 — $50,000 in a 9-month CD &nbsp;·&nbsp; Rung 4 — $50,000 in a 12-month CD &nbsp;·&nbsp; Rung 5 — $50,000 in an 18-month CD</p> <p>Rung 1 — $50,000 in a 3-month CD &nbsp;·&nbsp; Rung 2 — $50,000 in a 6-month CD &nbsp;·&nbsp; Rung 3 — $50,000 in a 9-month CD &nbsp;·&nbsp; Rung 4 — $50,000 in a 12-month CD &nbsp;·&nbsp; Rung 5 — $50,000 in an 18-month CD</p>
<p>As each rung matures, roll the proceeds into a new 18-month CD (or redirect to a project if needed). Within 18 months, all five rungs are at 18 months, maximizing yield while maintaining the built-in liquidity rhythm.</p> <p>As each rung matures, roll the proceeds into a new 18-month CD (or redirect to a project if needed). Within 18 months, all five rungs are at 18 months, maximizing yield while maintaining the built-in liquidity rhythm.<i>2026 Note:</i> Shorter term CD's currently have higher yields than longer term CD's at current time. HOA Ledger IQ's AI-Assisted Investment Engine automatically optimizes a suggested CD ladder strategy to take this into account, while allowing for planning to be adjusted over time as rate conditions change. </p>
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<p>As you roll maturing CDs, shop rates across FDIC-insured institutions. Online banks and credit unions frequently offer meaningfully higher yields than the community's primary operating bank. The incremental yield difference between the best and worst rates available on a given day can be 0.5% to 1.0% — which on a $200,000 position represents $1,000 to $2,000 in additional annual income for no additional work.</p> <p>As you roll maturing CDs, shop rates across FDIC-insured institutions. Online banks and credit unions frequently offer meaningfully higher yields than the community's primary operating bank. The incremental yield difference between the best and worst rates available on a given day can be 0.5% to 1.0% — which on a $200,000 position represents $1,000 to $2,000 in additional annual income for no additional work.</p>