It’s no secret: investing can be intimidating, and many people just don’t like the idea of “gambling” with their hard-earned savings. Luckily, there are some simple investment strategies ...

If you have $20,000 to build a CD ladder, a four-rung ladder would have $5,000 in each CD, while a five-rung ladder would have $4,000. Open all the CDs at the same time.