When Are CDs a Good Investment?

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Title	:	When Are CDs a Good Investment?
Lasting	:	7.21
Date of publication	:
Views	:	41 rb

Dave app and sofi offer 4 APY
Comment from : Al May

If the USA would stop electing those who want limits on FREE SPEECH, drilling for oil, and your right to physically protect yourself, we probably would not have the runaway inflation you talk about SO CASUALLY
Comment from : colderbeer

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 : Swift Movers

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 : ConsciousMachine 413

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 : David Tvedte

CDs are best if you have excess money that you don't need to be liquid, you have extremely low risk tolerance, and you want it to make more than the meager interest rates at most local banks brbrI'm actually going to invest some money into CDs since that's where I'm at right now I just sold two investment properties, and will move to Thailand for a few years (living off of some of the proceeds) I don't need my savings account to function as my emergency fund anymore, so I plan on investing it in a CD and some treasury bills I don't want to lose any principal, but I want to make more than 2-4 interest (most CDs offered through my bank, Charles Schwab, pay in excess of 5 for >1year terms)
Comment from : ZaneTrusdale

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 : Lucas Puertas

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 : Elias Cotton

Most people download music now
Comment from : bryan snyder

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 : ahdfakjh ajfdandkj

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 : David Bogan

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

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

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 : Kevin McNally

5 at Capital One
Comment from : Dark

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 : Boris Gurevich

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 : RandyH

I wasn't financially free until my 40’s and I’m still in my 40’s, bought my third house already, earn on a monthly through passive income and got 4 out of 5 goals, just hope it encourages someone that it doesn’t matter if you don’t have any of them right now, you can start TODAY regardless your age INVEST and change your future! Investing in the financial market is a grand choice I made Great video! Thanks for sharing!Very inspiring! I love this
Comment from : Dailami Puang

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 : Dylan Young

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

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

Surprisingly, no mention was made of a 'CD-Ladder' This is better at freeing up cash A 3/6/9/12 month 'Ladder' for example Also, CD's can be found well over 4 right nowbrIsn't it funny how 'Financial' guys will always encourage people to put their money in equities, no matter how volatile the stock market might be I guess they have to lock-in their percentage of YOUR investments
Comment from : Brian D

CDs nutz
Comment from : Ashley Pye

It’s a set but also a potential loss on potential gains
Comment from : Rocky Staatz

I was able to get 55 on a CD
Comment from : Norman Johnson

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

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

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

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

Normally I'm with you guys but these numbers, specifically in the intro are jacked You can get a money market mutual fund where the assets are available the next day that has no load and no minimum and earn well over 4 as the day this video was posted With a 1 year cd around 5 and shorter term cd close to it I'm all about equities and a big fan of you guys but don't make up numbers to prove your point when short term cds are a great option for a large segment of the market approaching retirement in a nerve wracking time
Comment from : Joshd343

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 : Mansplainer

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 : K Otter

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 : Saul Goodman

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 : Straitjacket Studios