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Today there are many investment options that give very good returns, but people's trust in FD i.e. Fixed Deposit is still strong. Even though people may get less profit in FD as compared to market linked scheme, but they know how much return they will get by investing in it because the maturity amount is given on the basis of the interest rate with which you have invested in FD. Usually people invest the entire amount in FD at once, but this time you should adopt the laddering technique for this. With this trick, you can earn profit every year from your FD and keep your account full of money.

FD Laddering is such a technique through which you can create a good wealth in 10 to 15 years. In FD laddering technique, the entire amount is not fixed at once, rather it is invested by making several FDs of different durations.

You can understand how this technique works by taking an example. Suppose you have 5 lakh rupees and you want to make an FD of 5 lakh rupees. For example, you have 5 lakh rupees. In such a case, instead of making an FD of 5 lakh rupees, make 5 FDs of 1 lakh each and fix them for 1, 2, 3, 4 and 5 years.

When you invest through laddering technique, your FD matures every year. Suppose you fixed the money for 1, 2, 3, 4 and 5 years. In this case, you have 5 FDs. The first FD will mature in 1 year. Whatever interest you got on this FD, you should fix the entire amount including that interest for the next 5 years. Your second FD will mature in the second year. In this way, your FD will mature one by one every year.

After the FD matures, you have to fix each FD one by one for the next 5 years. In this way, you will fix the FD every year with the increased amount including interest and then that entire amount will earn better interest in 5 years. In this way, you can earn a lot of profit through this.

Through the laddering technique, elderly and retired people can also arrange for income. For this, they can invest their retirement fund in many FDs through laddering. On maturity, they can use its interest for their needs and can again invest in FD. This will ensure that they have adequate liquidity available and their deposited amount will remain completely safe.