One of the most effective ways to maximize your investment in certificates is called laddering. Laddering is a way to stagger the maturities of your certificates. For example, you' could buy a one, two and a three-year certificate. As each matures, you would reinvest, buying longer term certificates. This strategy is aimed at having some portion of your certificate portfolio maturing each year.  Not only is it great from a liquidity stand point, there's also interest rate risk benefits. If all of your money is tied to one certificate and the rates are low when it matures, you'd be faced with renewing it at a low rate. With laddering, you're more likely to avoid investing at the bottom.

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