Using an investment laddering strategy with 1 initial investments of $4,000 over varying maturities and interest rates you could accumulate $4,080 after taxes compared to $4,080 with a single $4,000 Investment Certificate reinvested each year at the 12-month rate. This represents $0 in additional after-tax interest savings. <div id="chart1Container">Chart will load here</div> <script type="text/javascript"> <!-- var myChart1 = new FusionCharts( "MSColumn2D", "myChart1Id", "100%", "100%", "0", "1" ); myChart1.setXMLData("<chart showValues='0' showFCMenuItem='0' decimals='0' formatNumberScale='0' caption='Investment Certificate After-Tax Accumulated Interest' xAxisName='Year' numberPrefix='$' bgColor='FFFFFF' showBorder='1' borderColor='FFFFFF' borderThickness='1' canvasBgColor='ffffff' showAlternateHGridColor='0' plotGradientColor='' numberSuffix='' thousandSeparator=',' decimalSeparator='.'><categories><category label='1' /></categories><dataset seriesName='Single Year Investment Certificate'><set value='80.20591498447811' /></dataset><dataset seriesName='Investment Certificate Laddering'><set value='80.20591498447811' /></dataset></chart>"); // --> </script> <table class='pure-table pure-table-bordered' role='grid'><tr><th colspan='5'>Single Investment Certificate</th><th scope="col">Investment Certificate Laddering</th></tr><tr><th scope="col">Year</th><th scope="col">Beginning Balance</th><th scope="col">Interest</th><th scope="col">Taxes</th><th scope="col">Ending Balance</th><th scope="col">Ending Balance</th></tr><tr><td role="rowheader" scope="row">1</td><td>$4,000</td><td>$111</td><td>$31</td><td>$4,080</td><td>$4,080</td></tr></table>