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What Is a Bond Ladder? Overview, Process & Examples

By Robin Hartill, CFPUpdated Mar 8, 2025 at 10:27 PM

Key Points

  • A bond ladder strategy involves buying multiple bonds with staggered maturities to manage risk and income.
  • This approach mitigates interest rate risk by allowing reinvestment at varying rates as bonds mature.
  • Bond ladders offer diversified, predictable income but require careful selection and may not suit all bond types.

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