India, Oct. 17 -- In a world where interest rates swing, inflation fluctuates, and equity markets test patience, one investment strategy stands out for its calm and clarity: bond laddering. Once seen as a tool for institutions, it's now quietly becoming a go-to approach for Indian investors seeking steady income and predictable returns.

Simply put, a bond ladder is a structured way of investing in multiple bonds with different maturities, say one, two, three, four, and five years. Instead of locking all your money into a single long-term bond, you spread investments across time, ensuring that part of your portfolio matures every year. This rhythm of maturity and reinvestment creates both liquidity and long-term consistency.

Bond ladderi...