When you invest money for a short term goal, taking extra risk is like playing with fire. The best short term investments will preserve your money.

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One way to take advantage of better rates without locking away all your money is to use a technique known as CD laddering.

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For those looking to earn boost yields on cash long-term, a CD can be helpful. However, locking up all of your cash assets for a long period of time can mean that you miss out when rates start to rise.

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Sure, you can get CDs with the highest rates, but even the highest rates now are much lower than the yields you could see back before the 2008 financial crisis. Indeed, CD rates are much lower now, thanks to the economy — and the measures being taken to help stimulate the economy.

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One of the ways you can shore up your financial future and prepare for setbacks is to build an income portfolio. With careful planning, CDs can be included in this portfolio.

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