[Jarakoara]

Hi all, I’ve got a decent amount saved and I hate tying it all up at once, yet I want those higher fixed bond rates. I keep hearing about laddering—staggering different terms so some money matures regularly. But how do you actually set that up in practice? Does it make sense to split into 1-, 2-, and 3-year bonds, or go wider? I’m nervous about missing windows if I cash out early. Would love real-world tactics for building a bond ladder that boosts returns without trapping everything.