There is no dearth of options in today's time in terms of investment. But even today people give place to FD in their portfolio. Most people consider FD to be reliable because there is no risk in it and your investment is safe. But people feel that a lot of money cannot be made from Fixed Deposit. But in the case of FD, there is also a smart way of investing, which can make you profit every year. With this, you can add a huge fund in a few years.

FD Laddering Technique is such a technique through which you can make a lot of money in 10 to 15 years. In FD laddering technique, the entire amount is not fixed together, but it is invested by making several FDs of different duration.

You can understand how this technique works with 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 situation, 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 get the entire amount including that interest fixed again 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 and every year you will earn profit on your deposited amount.

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 in 5 years, good interest will be generated on that entire amount. In this way, you can earn a lot of profit through this.

Elderly and retired people can also arrange income through the laddering technique. For this, they can invest their retirement fund in many FDs through laddering. On maturity, they can use its interest for their needs and invest it again in FD. This will keep them with adequate liquidity, as well as their deposited amount will be completely safe.