When Are CDs a Good Investment?

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Title	:	When Are CDs a Good Investment?
Lasting	:	7.21
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Views	:	94 rb

Best thing in the market Use 3 to 6 month intervals User friendly and you can pull a cd secure line of credit with no credit check, 2 - 3 simple interest plus cd interest for repayment If you use this to pay off small debt it will increase cash flow and a win win
Comment from : @BrndshTV

Fidelity offers 1 month CD on variuos financials Cash is not tied long Rate is 45
Comment from : @HappinessIsAJourney

I have 25K in a Marcus no penalty CD that's paying 4 I can pull my money out with no penalty Is a money market or brokerage account better than that?
Comment from : @Mymindsgoingblanknow

I'd rather have CD's than see the money rot in my savings account at least Right now my bank has 6 month CDs for 45 And the percentage goes down from there, ending with 27 for 5 years IDK how that works ha ha I have money just sitting in my savings account 45 is better than 5 percent
Comment from : @Krysdavar

What i don't like about cds is that they rarely are any better than a hys So unless you have an absurd amount of money There's no real difference And if you have that much why on earth aren't you in the stock market? (Ignoring retired people) brbrToday i get 48 in about hys The highest cd i found was 5 Im sure theres ones slightly higher But still 100k difference is $200 With your more likely 20k emergency fund we are talking 10s of dollars here Just skip going to McDonald's a couple times My point is making better purchasing decisions has a greater power over how much money you have in the bank than a cd does On the downstroke of rate decline maybe makes sense But still Not impressed with cd rates
Comment from : @pdxmusl1510

Are CD investment on the short term of 3-6 months a good short run investment? I just put $100 in at 45 for 3 months Was this a good move?
Comment from : @griffintietje5483

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money I started investing with $150k and in the first 2 months, my portfolio was reading $274,800 Crazy right!, I decided to reinvest my profit and get more interesting For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family
Comment from : @lennoxmutterick6434

AMEX 4
Comment from : @tombeck2884

Straight to the point Thank You 👍🏽
Comment from : @Gift200

Williams Thomas Clark Mark Jackson Jeffrey
Comment from : @JoanneBanks-m6u

I got a Marcus savings account and I was referred by a friend and referred a friend of mine so I’m getting a plus 1 bonus (54 ) for 6 months
Comment from : @jeffryrojas4148

Lock your CD(s) at 5 for 12 months Reevaluate at the end of that period if you want to reinvest it all of that or a portion of into a new 5 CD for ano5her 12 months
Comment from : @sgtcojonez

I got a CD in the early 1980s as a child, I like to see that return now
Comment from : @ShariCory

I went from $4/month to $1,500/month on CDs With no financial advisor stealing my money The best thing you people can do is fire your financial adviser They are ALL crooks
Comment from : @miketheyunggod2534

Compact disc Great investment !!!! 😂😎😂
Comment from : @cliftonhammock1152

currently cd are like 535 for a year, and money market give like 44
Comment from : @qaz3000

would you pay off 403b loan @ 9 or personal loan @ 9 first? Balance is roughly the same
Comment from : @jjfarm9562

What about short-term CD like 2 months
Comment from : @yadayadayadame

Now, the answer is now
Comment from : @brendanhorner5727

Dave app and sofi offer 4 APY
Comment from : @almay9962

What do you do when inflation is 2 times higher than any type of savings/CDs
Comment from : @SyterPK

Y’all were spot on
Comment from : @337smp8106

Came here from the future to say locking in a 35 interest rate in a CD was not a good idea six months ago
Comment from : @IrnBruNYC

Right now is the right time Anything over 5 as a no-brainer There are also some dividend stocks out there that are dividend traps The depreciation of the stock outpaces The dividend payout and locks you in far longer than any CD would With a CD at least your principal investment is secure
Comment from : @swiftmovers3827

Its ok guaranteed return they have no penalty cds now
Comment from : @brian93ist

This video doesn’t actually explain when is a CD a good investment
Comment from : @jonasistaken

How is a 9 month at 489?
Comment from : @consciousmachine413

As of 05/17/23 short term rates are near the highest they have been for more than a decade But as you go out past 3 months the yields are slightly lower The market is telling us that it expects interest to be lower in the not too distant future I'm not thinking the Fed lowers rates in 3 months but possibly in 6-9 months At some point putting some of your fixed income allocation into longer duration assets will give you the better longer term yield And the risk in believing this is that rates will have to go higher yet to get inflation under control
Comment from : @davidtvedte1337

Cd and treasuries be giving 5 For 3-6 month lock ups While stock market is looking like a new low is coming in
Comment from : @Luckyluke141

Don't buy your CD at a bank The interest is way lower than a Brokerage CD Make sure it is Non-callable too I have a 4 CD ladder that I don't have to touch They are doing quite well
Comment from : @guzzi95

I could have sworn Brian said "seedy investments"
Comment from : @MrEscape314

Most people download music now
Comment from : @bryansnyder9218

April 2023 I found a CD that pays 505 for 10 months that’s a no brainer as long as you have a EF
Comment from : @MrOfficer235

I hear you guys We bought a 11 month CD from Capital One at 5 two months ago We,re good with that
Comment from : @Tex9Down

If you are retired already, a 5 CD would be very attractive
Comment from : @kathyleach3048

Are high yield savings accounts technically a money market account? And some banks don't insure those?
Comment from : @gdejackmo

CDs are Gov bonds are now over 5 That's better than Bond funds that continue to tank and equities continue to struggle this year Why not a CD or Gov bond paying 5 for 1 year until the market settles out I am not talking about my emergency account, just my fixed income retirements assets in my 80/20 portfolio
Comment from : @kevinmcnally3811

5 at Capital One
Comment from : @Burh-1-h9r

11 mo CD at CAPT One is 5 right now
Comment from : @TheSuperSpeeder

Hello, I'm new to investing I am looking for a place to park my money for a year or so to pay property taxes, save for a vehicle and have an emergency fund I was looking at cds But is there anything that is better I want to be able to pull the money out with being penalized
Comment from : @jgroomasb

CDs tend to give a better returns than bond funds unless your in a high tax bracket, and you should buy muni bonds
Comment from : @borisgurevich3237

But you guys are talking long term CDs I am in multiple short term CDs (under 1 year) I am currently getting above 4 on my CDs and they look much more attractive than my current roths and 401K Also getting 375 on savings until the investment market changes I will stick with that strategy and we all know it wont change until the senile Moran gets booted out of the white house
Comment from : @randyh6019

My mom, just doesn't trust investing and will only do CDs, and I've tried to show her why it's not as good, but it's the fear, the risk that scares her away She also holds a ton of cash, and it's frustrating but I've learned to except it She got an 18 month CD 6 months ago, and now she's stuck with a rate of 325 My high yield savings account is now up to 4 Tried to convince her to do a high yield savings, but she wants a local branch, and most high yields don't have those She feels safe in what she is doing, so I guess that's all that matters, she doesn't have a ton more years left, so as long as she can pay her bills, I guess that's all that matters
Comment from : @aiswebmaster

Fidelity FZDXX MMA is paying 427 and likely higher next month as Fed raises rates again
Comment from : @Boulder836

You can close out the cd before maturity Penalties are typically no more than 3 months
Comment from : @habbadabbado5765

CDs nutz
Comment from : @Pyezer

It’s a set but also a potential loss on potential gains
Comment from : @rockystaatz521

I was able to get 55 on a CD
Comment from : @normanjohnson2548

Bet they wish they’d put everything in cd’s in January of 2022 lol
Comment from : @adambrooks7423

@MoneyGuyShow - Be careful, an account named @ MoneyGuyShow1 keeps replying to your commenters
Comment from : @adambswinter

I just opened a 5 CD today to hold my emergency fund No brainer in my opinion
Comment from : @anthonyjames4319

Convenient that my bank just announced 46 on a 12 month CD
Comment from : @TheHydraccana

CDs were fine in the 1980s They haven't made sense to have for 20 years
Comment from : @t206kid

CDs may be good when using a bucket strategy Bucket 1 often has 2-3 years of experiences So placing the funds for years 2 and 3 in a CD will get something, over nothing Unless you have a money market or high yield savings that can beat the CD
Comment from : @toughfff712

Locally 8 month CDs are 5 You said it before ya cant guess the top you cant guess the bottom Great place to park a of your reserves imo
Comment from : @kotter1792

You can use a CD ladder A quarter of your money becomes due every months with a 3 month CD ladder
Comment from : @maribatcric

You don't buy a CD with money that you will need right now
Comment from : @saulgoodman2018

The argument about not beating inflation has always been there Just a few years ago, inflation was only 2-3 and yet your cash was making ZERO, literally NOTHING At least now your cash holdings are going UP! A great option for medium cash reserves Just do CD LADDERING if you need relative access to your money It's not for ALL of your cash Just diversify across Money Market AND CD laddering No better time than now for this as it may not last forever
Comment from : @straitjacketstudios