FD laddering, April 10 -- Investors who do not want to be exposed to the market volatility often prefer fixed deposits (FD) as a profitable form of investment, given their steadiness and guarantee of a constant interest rate. Fixed deposit interest rates depend on the bank and the tenure.

To maximise your FD returns, you can try out a technique called FD laddering.

Bank FD laddering is a technique that involves buying multiple FDs maturing in different time periods. Personal Finance experts suggest that investors seeking to invest in bank fixed deposits for a longer period may consider a ladder strategy.

FD laddering creates a schedule where investors can get their returns at a regular interval, ensuring liquidity and a steady flow of ...