FD laddering involves splitting your investment across multiple fixed deposits rather than putting all your money into a single one. For instance, if you have ₹5 lakh, you could open five separate FDs of ₹1 lakh each, each with a different maturity date so that one matures every year for five years. As noted by Moneycontrol, this strategy provides better flexibility, allowing you to withdraw from one FD if necessary without affecting the rest of your investments.
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