Bond Laddering for All

Frequently, an investor will have cash and they would like to earn additional income without the risk of investing in equities.  An effective investing strategy is to implement a bond ladder.  As an example, if you have $120,000 in cash you might invest $10,000 in a one year treasury in the first month.  The second month you would invest another $10,000 in another one year treasury and proceed in subsequent months to invest $10,000 per month for a year.  After one year, the first treasury comes due and you can receive the interest and rollover the amount into a second year or use the proceeds for your goals.  Most investment companies can set this up or you can go directly to the United States Treasury.