Your CD strategy starts here.

A CD ladder is one of the most effective strategies for maximizing yield while keeping money accessible. This tool lets you input your total investment, pick the number of rungs, and instantly see how to spread your money across multiple maturities so you always have CDs coming due.

• Investors who want yield but need regular liquidity windows
• Building a multi-maturity strategy from a lump sum
• Visualizing how a ladder behaves over time as CDs mature and reinvest

Not sure how to allocate across maturities? The Portfolio Optimizer analyzes current rate curves and your investment amount to suggest an optimal allocation. It models the tradeoff between locking in higher long-term rates vs. staying flexible for reinvestment as rates change.

• Investors with a specific return goal who want to minimize rate risk
• Comparing short-term vs. long-term CD strategies side-by-side
• Understanding how your total portfolio yield changes as you shift allocations

Go beyond CDs. The Fixed Income Portfolio Allocator helps you build a diversified fixed income strategy across CDs, Treasuries, corporate bonds, and structured notes — modeling yield, duration, and credit risk all in one view.

• Investors who want to balance safety and yield across multiple fixed income instruments
• Comparing CDs vs. Treasuries vs. corporate bonds on a risk-adjusted basis
• Building a complete fixed income sleeve within a larger portfolio