Step 1 — Decide the total
Pick the amount you are comfortable locking, keeping at least three months of expenses in the Call Account first.
Step 2 — Split into four
Divide the total into four equal parts and place them into 90, 180, 270 and 365-day plans on the same day.
Step 3 — Roll each maturity into a 365
As each plan matures, reinvest it into a new 365-day plan. After a year, every rung is a one-year plan and one matures roughly every quarter.
Step 4 — Review annually
Once a year, check whether the ladder still matches your goals and top up rungs with new savings rather than starting a separate plan.