Is a CD a Safe Investment?

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Title	:	Is a CD a Safe Investment?
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So just leave it in a cd that doesn’t keep up with inflation? Doesn’t seem right
Comment from : @Aaron-g8p1b

Ask a financial guide But you’ll need at least $500,000 min to invest(lose) Remember, don’t invest any $ you cannot afford to lose
Comment from : @dancripe9224

Remember young people take risks older folks need to play it safe They don't have time to rebuild
Comment from : @draaks1

Fixed indexed annuity with premium bonus is 100 a better option than a CD
Comment from : @Spongebobby43

Spend it You're 80 The games almost finished
Comment from : @kazzsingh5656

losing money safely
Comment from : @johnadams9249

Careful going over $250,000 in one CD though You are only FDIC insured for $250,000 Ramsey should have mentioned that Pretty big oversight on his part
Comment from : @scott7521

80 years old investing with out risks?🤦🏻‍♂️🤦🏻🤯🤒🤔! Sweetheart heart I hope you read this message! Start investing your time to know God, very soon 🔜 you will go straight to God and that spilt moment you will have to get account for all that you have done and not done! The profit will be the eternity which can be 10028833874938383838383838383838838393973736363663636373773737373838488383838484848484848484848484848484 per hours in Plus or minus it is up to you or just take the 5 from CD and risk your eternity
Comment from : @anthonyporpora4786

Medicare will take it if they need long-term care
Comment from : @kanutapretzelini8891

„Lady, first stop drugs Your voice is shaking so much that I can not hear you properlybrSecond, why on earth would you like to blow cash on smth that has no guarantee to work again? Are you living in the past?“
Comment from : @m1622

My money market pays just as well as just about any CD plus none of the locked-in hassle Its was paying right around 5 last year and now its around 43 last I checked
Comment from : @MrChev-wq1jb

My answer would be, SPEND UR FKN MONEY!! YOUR 80
Comment from : @jman3064

Saddest voice ever
Comment from : @mxracer4130

She is too old to risk her savings I managed my mother's money for the last 12 years of her life, and we always stuck with CDs To get involved with equities, you have to have time to recover after bad years
Comment from : @collinsje5

80? Take the money out and party
Comment from : @andrewmadison444

Consider closed end funds Many pay excellent dividends and many of those have been stable and safe for years Take a look at FOF and HPS
Comment from : @danstrayer111

Bless this woman and her husband❤ it’s great to hear they have a quarter of a million for their retirement
Comment from : @BriannaPresto

When ya gonna spend it? You're 80 FCS!
Comment from : @naosu87

Uhh lady pull that money out and spend it! Go on a cruise for the next 10 years! That’s probably all the time you got left!
Comment from : @TableWalkLake

At 80 yrs old spend it on great holidays go to the places u dream about enjoy it who r u making more for if it’s the kids u gave them life now it’s up to them
Comment from : @davidleathem3286

how many scam calls a day from India do you think she gets trying to get her 250000?
Comment from : @TheDudeAbides4344

He should’ve advised her to put all in Solana, Trump and Melania
Comment from : @ce-lz5jw

My thought was spend it , bloody hell they are 80 , go have some fun 😊❤
Comment from : @Awhatsup

NOTICE HE DOESNT SHILL CRAPTO? LOL
Comment from : @mikes-wv3em

smarter advice would be to ask her if she needs the money or not Or if how long the CD term is Because if she needs the money the will pay a penalty
Comment from : @artificialgenerativetechno-p3d

theu are 80 years old there is no long term for them i wouldnt even bother investing it, use it to live for the rest of your 1-20 years
Comment from : @the_chomper

As long as it's not your primary means of spending Cuz u cant spend the money ina cd for 1 year and up to 5 years Its gotta be $250 you don't need atm whether it's aprt of all of it
Comment from : @MrSavageDOESITALL

God bless a man who can listen!
Comment from : @aussiebushtracksexplorer4397

If I was 80 id just get something I like for some enjoyment and leave the rest well alone for my kids, as no offense big big Grim is hanging around tapping his watch giving you the look at that age
Comment from : @RighAlban

How long do you invest for? I mean, it's up to them but at some point you want to use it on something, enjoy life, help your family, whatever No point saving and investing just to die wealthy
Comment from : @andrewwray4252

Her voice is horrible !!
Comment from : @tienkami

80 Years oldClassic example of save and invest so you can die wealthy Go enjoy it!
Comment from : @TheNickelCHROMIUM

They are both over 80, what the reason for the invest at all would be my first question Live your life as long as it lasts
Comment from : @Johnnys_Meinung

S&P 500 grew 22 since February 20, 2024 I completely understand her position tho
Comment from : @walkingpineapple4563

Some years ago, the answer would have been, "There's nothing to worry about"
Comment from : @smmusicplus96

80 years and want more currency? Currency get devalued
Comment from : @geoms6263

Lovely woman !!
Comment from : @carlosbonessa252

Excellent advice I thought the same based on their ages
Comment from : @ElleRi-o6i

pull your money and go spend it and be happy you sound like you live a big long life i be damned if i save a bunch of money that will only be taken by the government when im gone
Comment from : @coryknight7669

You are WONDERFUL for GIVING people ( especially the ELDERLY ) SOLID advice BLESS You
Comment from : @jacquelinehelgaJohnson-V-ho9ve

This is terrible advice, they're 80! The hell the investing for? Spend the damn money!
Comment from : @danielcarroll9740

Stock market is never a risk and people should know that Every single time the market has crashed, it always recovered in the next year or two all you need to do is wait and not try to time the market but to forget about it which is really an investment
Comment from : @jhoss47

80 years old worrying about money, f the money you are almost dead live it up
Comment from : @chadfungus

Whats a CD?brThought they went out of fashion a while back
Comment from : @jakemorrison8507

You don’t take risk at 80 years old Now if they were 30 it might be a different answer
Comment from : @Jjsj62a

at 80 years old they probably don't want a long term investment
Comment from : @peterszarvas94

BITCOIN of course :) Buy 1 wait a years or two and collect 1M
Comment from : @sergesam5284

OR, go into a fixed annuity With a CD, you pay taxes on the gains every year With the fixed annuity, its tax deferred so the money you pay in taxes has a chance to compound
Comment from : @RussManK3

If your 80, spend it or give it to your kids
Comment from : @jimlangelaan3062

Sweet lady but for most folks, even at 80, 250k in a CD isn’t great advice Put at least 50k in an S&P500 index or a dividend fund
Comment from : @taszpierce

They are 80, man tell them to relax and enjoy life
Comment from : @XcellentXteriorsSA

I would have recommended at least 1/2 into an HSA to give them liquidity if they need it
Comment from : @anaitam1357

I couldn’t imagine not taking the risk My parents are retired and they’re super aggressive Also helps to have pensions from jobs which offers security
Comment from : @Gannicus-USA

If I were them I'd stagger it every month and put 1/12th in, that way it's constantly making you money but it's much more liquid, and just keep renewing They're way too old to have a lot of risk
Comment from : @ryc73

God bless that old lady and her husband
Comment from : @adnan_velic

I’m not investing crap at 80 I’m spending it😂never understood why people won’t spend what they have worked to earn
Comment from : @SnuffySmith01

But since you are older you want a SECURE INVESTMENT
Comment from : @richardarter1850

The way she talks like that scares me and forces me to face my mortality
Comment from : @Cyzure

Why doesn't she spend it! She's 80!
Comment from : @alexwright303

She should put it all in Crypto 😆
Comment from : @joedoe7839

great job Dave!
Comment from : @td-rb5237

80 years old goto casino have fun, dinner, walks and enjoy the last part of life
Comment from : @iblack1634

You're 80its time to spend it
Comment from : @adamknipe216

At 80 years old what are you going to do take the risk in the stock market to brighten your future ?
Comment from : @factchecker-cb2gy

I would have told her to put it in a money market account While it will give a slightly lower interest rate she would have access to the money if she needed it At 80 years old you never know what's going to happen
Comment from : @MizGizma

Wish mum was my neighbour Such an adorable lady
Comment from : @johnmaccorquodale4738

If you ask me, they should buy a boat
Comment from : @TheGavranatar

Dave is both pragmatic and practical simultaneously I like that
Comment from : @coajrmusic

I do NOT use Credit cards neither American Distress (Express or Disastercard (MasterCard ) I know what Debit isbrbrI found out once was enoughbrIf anyone knows you have alot of Fake Friends
Comment from : @brucedodd7564

80years old? Spend it and enjoy it ❤
Comment from : @PatriotUK78

Good on her for investing in CDs rather than VHS These things are really gonna take off!
Comment from : @BobsledTime

I sell CDs on eBay all the time I would invest in them! 😊
Comment from : @BV-Auto

Can't believe he didn't call her an idiot and to go buy a house cash
Comment from : @blakemanceaux5852

Poor lady…they were so scared about losing their money
Comment from : @kathysheridan9234

"It's not a very good long term investment" 80 years old dosen't have long time to go
Comment from : @tigerual

Right!
Comment from : @Tornado1986-z9h

Spend it already
Comment from : @nohandle74

Why is a CD a poor investment? brCDs often provide lower returns compared to other investments, lack liquidity and may struggle to keep pace with inflation
Comment from : @spleancrush

The older you are, the less risk you should take
Comment from : @nunodn

Why not an IUL?
Comment from : @LotusPleiades

Lady, just start spending the money, if not, what's the point ?
Comment from : @Nobody00061

Or spend everything enjoying the last decade they have left
Comment from : @krisz99

The part he left unsaid is that they don't have time left for long term investments It would be very risky for them to invest in stocks (even index funds) because if that dips in the first few years of them investing they might not recover those losses within their lifetime brbrGreat advice!
Comment from : @Scottyv12

Whats crazy is that they do not need this money They are sticking it into a non liquid account That cannot be withdrawn for another 6mo-1year
Comment from : @nicholasstockbridge5702

At 80, growth goal is less Income is more CD is sure ball income Re invest portion of interest dividend back into cd to have a small growth Granny is sweet❤❤❤
Comment from : @HappinessIsAJourney

At their age they might consider a shorter than 12-month CD Yes, they will get a LITTLE less interest, but at their age they might need/want the money sooner than 12 months from now
Comment from : @GeometricMason

they are in their 80's just spend the money
Comment from : @arcticredpanda4598