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CD vs. 1 yr T-bill. I think I'm doing this wrong.

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What conditions lead to high Certificate of Deposit (CD) rates?

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Need some advice for short/mid term with cash

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CD Projekt might be very fair valued or rather undervalued

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Have you thought of stock alternatives such as ETF?

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50k cash, what to invest in?

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Enrolled to a CD. Total gain/loss is negative

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529 plan advice needed

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is the Witcher / Cyberpunk 2077 worth $2B?

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$BCAC: Brookline Capital Acquisition Corp (Apexigen) - Stockholder/Vote meeting July 27

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Bottom is in - SPY $500 by end of 2025

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Investing in CD Projekt Red?

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Ready to invest in CDPR but confused about the three options

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Site to compare US bonds / GIC's?

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Is $1.5M enough for retirement? Or $2.5M? I'm confused on a few things and could use some advice. I linked my spreadsheet of current expenses

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What’s your portfolio construction (# of stocks/sector weights/non-equities)?

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Deciding between CD issuers

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VUSXX vs 1 Year TBill vs CD

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Can you avoid capital gains tax from real estate by reinvesting into CD's?

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Say I have 1mil after taxes, would this be a good investment idea?

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Wall Street Week Ahead for the trading week beginning May 30th, 2022

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Wall Street Week Ahead for the trading week beginning May 30th, 2022

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Asking input regarding CD Rates...

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Listen up Children

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I'm a game developer. I'm long unity.

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Worth investing in CDs in my position?

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CD’s as investment (millennial)

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Nibbling today. Here is what I bought...

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This Company May Be About To Dominate All Digital Payments (NASDAQ: APCX)

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This Company May Be About To Dominate All Digital Payments (NASDAQ: APCX)

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Clarity on CD Interest Payments

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Dollar Cost Averaging and CDs

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Citius Pharmaceuticals Reports Topline Data from the Pivotal Phase 3 Study of Cancer Immunotherapy I/ONTAK (E7777) for the Treatment of Persistent or Recurrent Cutaneous T-Cell Lymphoma (CTCL) in Support of BLA Submission

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Received small inheritance help??!

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(3/30) Wednesday's Pre-Market Stock Movers & News

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Japan Global Partnership Alliance Proposal in a Conglomerate Deal Approved by Max Sound Corp and マフィップ

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Japan Global Partnership Alliance Proposal in a Conglomerate Deal Approved by Max Sound Corp and マフィップ

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CD Projekt Red announces new Witcher game and multi year partnership wtih Epic

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I Too Once Said, "CD's Won't Make It, No Way."

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Congressional Loss - Congressman Josh Gottheimer (NJ-CD-5) owns Russian Lukoil and Yandex Stock he bought around February 4, 2021, Lukoil is down 90% since then!

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Understanding stock returns are clustered and that is NORMAL.

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Donate Bitcoin or Ethereum to Ukraine using Wealthsimple

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Is Nokia the play right now?

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Ok my profits are now pretty much 0. How worried should I be?

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Why CD rates are still low?

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My large $$ rollover IRA from an old employer 401k is now in cash but I am afraid to invest- HELP!

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Ok to not have a balanced portfolio?

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Question about CDs versus traditional savings accounts

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Video Game stocks that seem interesting?

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OLAPLEX The Ultimate Due Diligence

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What is downside of this "better than a CD" scheme.

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You hated my last DD, so here’s another! This time it’s Upstart

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8 Financial Tips for Young Adults

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Has anyone tried a strategy where they do the exact opposite of everything Cramer says

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$INDP - Potential Multi-Bagger

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$MBIO - short DD

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Excellent investing strategy for 10x baggers with low risk

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What are your favorite / reliable index funds for 5-10 year timeframe?

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Affimed showing highly promising results in lymphoma

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If you bought $500 of Apple in 1986 at 14.9 cents a share...

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What's the best stock or ETF to confidently park a lot of money and cash that's well priced right now?

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Wealthy young investors don’t see use for the wealth-management firms their parents rely on

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ATARI $PONGF go brr (THE sleeper mid-term metaverse play)

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What made DFV have such a high conviction on GME?

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“The broad T-cell responses that we are generating with 4800 give us confidence that we can protect against the known variants—Alpha, Beta, Gamma, and Delta—but also potentially the as-yet-unknown future variants,” Kate E. Broderick 🧬🌎 By Alex Philippidis - November 1, 2021

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Apes help CYDY!!

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Apes help CYDY!!

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Does anybody know any good conservative options for investing that may be good for now?

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Cancer Vaccine... is that even the right term?

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SAVA Would you consider buying an 18 month CD @ 500% or more?

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Palantir stock rallies more than 10% on $823 million Army contract

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US Army Selects Palantir for Intelligence Data Fabric and Analytics Solution contract worth $823 million

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U.S Army Selects PLTR for intelligence data fabric and analytics solution.

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AyanaFinance | Launching Now! | Experienced devs | Locked liquidity | Great tokenomics! |

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I have $60k in CD funds. Should I withdraw early to put it into an ETF?

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Would You be willing to invest in a 2 % APY CD with a 1-year term? Why/Why not?

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Would You be willing to invest in a 2 % APY CD with a 1-year term? Why/Why not?

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Healexir - Fair Launching TODAY! Bumping it’s way up through to the moon! BNB Rewards. 5% Refelection. The next 1000x has arrived! ✅SAFU. Auto LP. Based Dev! Anti Whale! Join the TG: u/Healexir

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Short Put expired on CAD - Canadian Dollar Futures (help)

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What about OTGLY - CD Project Red (Witcher, Cyberpunk) Isn't it double bottom? 😉

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Looking for low risk, highly liquid, short term investment.

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Meridian Reports Further Significant High Grade Gold along at Cabaçal Northwest Extension

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Eureka mothafuckas...Globalstar job description includes "please know how to make an Apple App LOLOLOL ....https://www.linkedin.com/jobs/view/2709235460/?refId=Djg3JkySB1Q%2FjzvEPmPr0Q%3D%3D&trackingId=uc5eIFJLkvYa%2Bx0yekovtQ%3D%3D

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22 years old, college student, looking for advice to get ahead of the investor game

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22 years old, college student, looking for advice to get ahead of the investor game

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35 M shorts, 22 days to cover, up 20% after-hours, huge insider BOD purchases on 9/1

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CD Projekt (OTGLY) Q2 earnings beating analysts expectations by 44%

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Is there a way to make trading harder?

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Magic lines suggesting various popular stocks might be fucked.

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looking for advice on gifted money and how triple it...

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Thinking of putting my $25,000 in cash into 3 different ETFs.

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Tesla is a buy. .

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All About Asset Allocation and Protecting Your Wealth book summary by Richard Ferri

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Barrons article today on how P/E ratios for stocks not in the indexes are much more reasonable...

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NETZ: Huge upside in streaming carbon offset credits

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Embracer Group: an undervalued gaming conglomerate

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Intellabridge Technology Corporation Announces Kash Corporate Treasury Accounts

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What's the bear case on CD Projekt Red ($OTGLY)?

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Stairs App by GROUNDFLOOR offers a place to stash money for 4%+, higher than a CD, more risk.

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AVEPOINT the next 5-10 bagger (AVPT)

Mentions

Ok, so mentioned you want to grow this money over 10 years, have quick access to it. Yes bonds are safe and backed by the government, but you can do better in interest rates, still have safety, still have some access. I've helped a few get into a guaranteed interest annuity at 4.6% over the next 10 years. Upside, guaranteed interest rate that's going to beat out any bond or CD, this will bypass probate. If you were to pass it will go straight to your beneficiaries. Downside, you don't have access to the full amount, but you do have access to a good chunk of it, if you were to withdraw more than you have access to, you will get penalized with fees. So this may be an option to consider, it checks most of your boxes with a better return. I can get more info if you like to see if it makes sense for you.

Mentions:#CD

Welcome to 2022 Gerry, it came a lot faster than you fucking expected and shits changing fast. Guess what, nobodies going to the theaters for popcorn and then stopping at the strip mall to pick up the new CD-game, before getting a new lemon juicer at Fucking Bed Bath and Beyond. They’re jerking off at home to free porn and staking cup of noodles in a tower/throwing Cheetos at the TV. 🍿

Mentions:#CD

There's a lot of money out there and none of it comes with instructions. Tell your friend to get educated and in the mean time buy some 3mo, 6 mo and 9mo CD's till she is better educated. One thing money can do is burn a hole in your pocket till its gone.

Mentions:#CD

The only real issue for me would be with Ultra short term bond funds that hold a lot of corporates debt can bring on somewhat more risk. As corporate bonds usually correlate a lot more with stock market then treasuries do. I really wouldn't want my short term bond to be sinking along with stock market, but thats more of a personal opinion. When it comes to money market funds at least you have option of prime money market and treasury ones. The issue there compared to CD is there is no fdic insurance , but my feeling is if treasury money market funds break the buck we are having major major problem. If you want something that is ultra safe HYSA is your best option you get somewhat decent rates \~1.6 apy, and you have FDIC insurance with it. If you are willing to take on some interest rate risk I would look at rolling 3 month tbills like a ladder. I think they are going for 2.6% but you never know if rates are going to stay there, but you would have same risk of interest rates on HYSA as well.

Mentions:#CD

> But I’m just saying the treasury is no different from the CD in terms of interest rate hikes if you’re holding until maturity But a Treasury, you sell for a loss. Most CDs you get from the bank, you just lose a few months of interest, but get all your money back.

Mentions:#CD

That’s just the nature of bonds. And just an argument for not keeping a true “emergency fund” invested. Which it shouldn’t be, even in treasuries or CD ladders. Now if someone has cash in excess of an emergency fund they may want to have in a year or two, then consider a CD or treasury or whatever works best for your scenario (ultrashort term bond funds even)

Mentions:#CD

Why not just cash out the CD and throw it in a HYSA for at least 1.6% and forget about it? If you're clever and spend some time working at it, you might eke out a bit more from the T-bill ladder, but it will take up a lot more time and brainpower.

Mentions:#CD

I’m not arguing at all about holding an emergency fund in short term treasuries or CDs. I agree it should be liquid. But I’m just saying the treasury is no different from the CD in terms of interest rate hikes if you’re holding until maturity. You’re only guaranteed the yield you buy. In that regard I disagree that a virtual loss is a real loss. But yes, if you have to pay a penalty to access your cash, you don’t have a good energy fund.

Mentions:#CD

In terms of when to break a CD: https://www.depositaccounts.com/tools/break-cd-calculator.aspx In terms of your basic approach I think its fine but not ideal. If you really want to hold this money that long I would take on more risk: 15% EM value, 15% small cap value, 70% intermediate bonds (you can use CDs).

Mentions:#CD

Right now T-bill short term pays slightly higher than CD. Since the interest hike I started putting cash into multiple CDs for just 3 months. As the interest hike I get a bit more. 2.45% 3 months is the highest. You can do the same buying 10 different CDs, bonds at different maturity dates. Now I am buying T-bill exp Oct 2022. Half of my cash is sitting in brokerage looking for opportunities.

Mentions:#CD

I've been struggling to fully understand all "near cash" instruments, CDs and 1-years included. CDs are FDIC insured. Bonds, even 1-year bonds, **can** lose value. So CDs are "much much safer" (almost no way for you to "lose money"), while Bonds losing money is... well... take a look at this year. Each +.75 hike is a ~.75% loss on a 1-year bond. To reduce risk, people buy **ladders** of shorter bonds, ex: 6-month bonds. Except at this point, you're basically into "make your own CD" territory, which is nice (a bit higher rates), but still with the risk of losing a tiny bit of money on interest-rate hikes. ----------- It honestly sounds like you want either a money-market fund, high-yield savings account, or maybe a bond-fund. * High Yield Savings Accounts / Money Market -- Money Market loses the FDIC insurance, but otherwise acts almost identically to HYSA. You get ~2% from these today. * Money Market fund -- Almost the same, except from a brokerage. Sometimes come with a debit card but sometimes not. * Short term Bond Fund / ETF -- Ex: ICSH and VUSB focus on 1-year and shorter bonds. Though these are AAA-rated commercial paper instead of US Treasuries. ------------ IIRC, Savings accounts **must** invest into Treasuries, while Money Market is allowed to branch out into AAA-rated commercial paper. There's some minor differences like that. But these are all considered very safe instruments. Savings accounts are the safest, with FDIC insurance.

I'd argue the only significant benefit of a financial advisor is for people that might be inclined to make rash decisions like taking risky positions in individual stocks when times are good, or panic selling when things get worse. Most people don't understand investing, and get scared by price fluctuations, so a financial advisor can help them come up with a strategy that matches their risk tolerance and stick with it, or make adjustments as needed. Sure, a good financial advisor/wealth manager can do things like tax loss harvest on stocks, get you better returns on your cash by putting together a CD ladder, etc. But I'd argue that the value of this relative to just buying index funds doesn't exceed the fees. On the other hand, mediocre or bad financial advisors associated with an investing firm are often inclined to push their customers into high cost actively managed funds, because index funds aren't as profitable.

Mentions:#CD

Through dept of treasury. snp Chinese Petro no. But one can shop for best CDs. 3 month paying 3.4 pct, T bills actually better than CD when factor into state tax avoidance.

Mentions:#CD

Bj he rrgff CD dgbch

Mentions:#CD

3 year CD at your bank. 4% returns.

Mentions:#CD

Graham Stevens on YouTube is really pretty good. Most of its pretty basic stuff, but he dies good rundowns in the best credit card reards/rates, best HYSA, CD, Bonds available, how to allocate your long term investments, that kind of stuff. Which sounds like what you're after. He's pretty big real estate investor and has done well there. He's been doing more broad market predictions/geopolitics/global trade stuff lately and so far he's been a mixed bag on those topics. Seems to have called pretty close to the top of the real estate market, and was sounding earlish warnings on the bear market. Been bearish through this whole rally and his geopolitics takes are mostly wrong.

Mentions:#CD

You're not going to go from 11,250 to 40,000 in a year without huge risk. That's essentially asking to quadruple your money. Knowing you need your money in a year, you need something with less risk. I would look up checking / saving account offers and see if you can meet them. For example, opening a checking account with Chase with direct deposit and holding x balance may net you something like $500 in cash after 2-3 months and you may earn 1-2% interest in that account. That's likely the best bang for your buck right now unless you can find a CD that operates at 6 months to 9 months to 12 months at a 2.5% interest or higher, which would still be less than the bulk money you'd get from opening the account and closing it later.

Mentions:#CD

Try a best buy or pc store in your area for an external USB CD drive.

Mentions:#USB#CD

There’s X-rays 🩻 on a CD rom that I need to email. I don’t have a CD ROM drive, fedex office doesn’t deal with CD’s, and the library doesn’t deal with CD’s. Do y’all have any ideas you know of? I live in a major city if a chain offers something. But the nearest person I can barge in last minute with a desktop would be a three hour round trip

Mentions:#CD#ROM

CD rates mimic interest rates. You don't want CD rates high.

Mentions:#CD

CD rates generally follow US treasury rates. Treasury rates loosely follow the federal funds rate set by the federal reserve. Usually longer duration treasuries have higher interest rates, but when traders are predicting a recession, often the yield curve can "invert" in which longer duration treasuries pay less

Mentions:#CD

yup, the bank is balancing - 1) book of trade - how much money they have on hand vs. they plan to lend 2) how much they "borrow from you" in terms of a CD vs. borrow from the government at federal funds rate vs borrow from other banks with Libor 3) provide enough value to you to remain a customer. Hence why higher tier customers tend to get better rates. They will pay you more for a CD in order to get your checking account that earns less. If you want a 5% CD, you need banks to have many places where they can deploy money for more than 5% and few places to get the money for less. We aren't there yet and may not get back to that for a long time.

Mentions:#CD

CD rates are largely Market driven. As late as the seventies they were highly regulated. I don't think that's necessarily the case now, but the fact remains that they are Bank products. That means they're designed and offered to create revenue and deposits for the banks that issue them.

Mentions:#CD

The whole banking sector got a massive influx of deposits from all of the stimulus payments to individuals and corporations (PPP). As a result, banks in general have low loan to deposit ratios and don't currently need to pay up for deposits. Some banks that have higher loan to deposit ratios and strong loan growth are likely trying to raise more deposits, but it doesn't take much of a rate today to be high in the market and attract depositors. Over time, as deposits in the sector decline and more banks start needing to attract deposits, the CD rates will start to trend up faster.

Mentions:#CD

Indeed, however in the 70s and 80s at least there were other options to hedge against it. Bond yields at 3% are hardly comparable to the CD rates of back then. Largest rate hike in terms of bps ever, so say what you'd like but it's still a relatively valid statement.

Mentions:#CD

If you lost money on GME you should probably just stick to CD's and I Bonds

Mentions:#GME#CD

CD is CoinDase?![img](emote|t5_2th52|4271)

Mentions:#CD

I put 100k in a 3.6% CD in 2019 with Popular Direct. It's a 60 month CD, the penalty is 2 years of interest and I can't touch it until January of 2024 🤮

Mentions:#CD

3 years is too short for the stock market. 5+ years is the minimum. You can put it into a bank CD or I-bonds for this short time period.

Mentions:#CD

This goes into "audiophile" territory which I consider to typically be an unproductive discussion. But basically, audio quality consists of the number of samples per second (typically 40k+ to double the 20k Hz human hearing spectrum and avoid sampling errors due to [nyquist frequency](https://en.wikipedia.org/wiki/Nyquist_frequency)) and a "bit-depth" per sample (how many different values a single sample can have (for example, 32bits per sample). You multiply those and, *if uncompressed*, you get the kilobits per second (CD: 44100*32/1000 = 1411kbps). But most audio you hear on the internet is very cleverly compressed to get rid of inaudible data (this process is absurdly complex and could fill a book). So a well-compressed "320kbps" MP3 can have the same sample rate and bit depth as "1411kbps" CD-Quality and be indistinguishable. There's people who *swear* they can hear the difference, but in most blind studies, it turns out: They can't!

Mentions:#CD#MP

What is the last year total he earned with his other approach? Maybe he has a terminal illness he has not told you about, and he has limited time. If so, don’t stop him. Send him to me. We will have this done by January, 5, 2023. See the announcement from this week. (Lastly, unity trading will allow him more off days. For example, this week we are only working 2, and possible 3 days only. It seems like he needs a tribe. That is what the United Maps Ape Clan is for. We are a family oriented group of retail traders with compassion and we take conservative moves only. This cycle between now and January 5, 2022 we are actually reducing risk with technical analysis, and more. So in closing I am glad you are here, and I hope you reach out to me. I want to help. See announcement below (it’s old.) Brothers, many of us are on WeBull. You may have seen us making the news. Well not us, but the meme stock we are pushing. This is changing families. Next investment cycle starts in 2023 so get in now. It does not cost to learn. It does cost if you lose your money. Some choose to avoid "stop limit" and they realize you don't lose the money, until you sale. So this is our Call for January 5, 2022. We are staying away from puts this year. Be safe. GOMAB Trade at your own risk. Be sure to forward this to other “retail investors.” We are educating everyone on the technicals. Many do not know how to read charts. We must use our freedom of speech to help the little people. This should be all you need from me. This is all that was passed along to me from #GoldApe P.S. the technicals on this are WOW! file:///var/mobile/Library/SMS/Attachments/44/04/46036D60-04CD-42FA-91E6-BF053087CF6D/Overview%20Chart.png file:///var/mobile/Library/SMS/Attachments/1e/14/7ADE0A3D-45FE-46AD-B894-A86E4C24175E/Overview%20Chart.png file:///var/mobile/Library/SMS/Attachments/aa/10/CDA53007-7CFF-4DB1-9942-829A54F57667/Overview%20Chart.png Training Apprentice GME (Gamestop) Go at it as soon as you can trade. Trade one share to get practice. The real goal is BBBY, at this time, until we get to $60. You need to be a fellow craft to make those trades with our APE clan. Be careful if you make the trades alone! If you do make the trades, remember the entry time is the same until January 5, 2022. That is when we have expiration calls to sale. Remember the main squeeze until January 5, 2022 is BBBY. If you listen us apes will reach out timeline goals in the other too.  Now for your second “pear” of the triple pair lunch. Intermediate practice Fellowcrafts GME (GameStop) AMC 10 am entry. Fellow Craft — further your proficiency in your tactics. We are approaching critical resistance as per our technical. So be ready. We need this company too!  Guru Big money maker. We are about to save Bed, Bath, and Beyond, and then maybe, maybe not they will sale the baby store, and that will be more bounce for us on our way to $125. Enter at 11:30 or later. Enter sooner for lower cost buys, and higher profits. Remember when the APES move, we move fast and attack trees for pears quick. Then we are gone. So watch the jungle closely. It’s a place that can kill if you are all alone. If you work a 9 to 5, the safest approach is for you to buy, and buy more if you have it to invest long. This is an approximately 142 day investment cycle. Remember this is market freedom speech. THIS IS NOT MARKET MANIPULATION. Check the definition. 

Want risk? S&P 500 passive index fund. Want less risk? I-Series Bond for a year or two while it returns well then switch to cash or CD or something like that until it's needed. Believe me you don't want to gamble with savings that will dictate where/if you live.

Mentions:#CD

Take it off the table, put what’s left in a CD and go to gambling anonymous.

Mentions:#CD

A game store, a movie chain, and now a department store for towels? I wonder what the next ape thing will be, maybe a CD manufacturer?

Mentions:#CD

Pandora is pretty much the only one we use at home but we also play CD's, Records and the local radio stations.

Mentions:#CD

I don't see why fusion weapons matter. All that really matters is delivery systems and, if possible, efficient interception (which no one has managed).   The third world has actually gotten much wealthier. Dirt poor Chinese went [from poorer than Sub-Saharan Africa in the 90s to Latin America level](https://data.worldbank.org/indicator/NY.GDP.PCAP.CD?end=2021&locations=CN-ZG-ZJ) by turning into the world's sweatshop. Fact is, as the productive wealthy countries move forward, they still want someone to do the lower value work. If third world takes the jobs that the wealthy world leaves behind, they also move forward. Only issue is that would require them to actually let that happen. Latin America and Africa have been very good at destroying their business environments and seizing wealth. In fact, Latin America got poorer in the 2010s with their socialist "pink wave" and Sub-Saharan Africa [got poorer in the late 20th century](https://data.worldbank.org/indicator/NY.GDP.PCAP.CD?end=2009&locations=CN-ZG&start=1960&view=chart) as decolonization happened. As it turns out, destroying whities' institutions and seizing their wealth is not good for business. They're moving back up since the 00s. Obviously, "predatory trade" and "neo-colonization" by China, etc. is just good business.

Mentions:#CD#CN#ZG

https://www.blackrock.com/cash/en-us/products/282738/blf-tempcash Things like this. Same risk as treasuries/CD (minimal), and liquid enough to take out anytime.

Mentions:#CD

Wish I was the oracle too. At the moment it's liquid due to short time frame, a CD, or my last option would be an I bond... Or wait until 2024/6 bit earlier or a bit later and take advantage.

Mentions:#CD

100% with CD. That's my fall back option if I can't find a decent alternative by October.

Mentions:#CD

3 month CD from brokerage account pays 2.4 pct apy, 6 month pays 2.75 pct. T-bill loses its attractiveness for such short term.

Mentions:#CD

Yea hence the 5x earnings vs a CD. It has has a 11*~ swing in the last 52 weeks with a 9% dividend. Agreed you could technically “lose it all”.

Mentions:#CD

Only thing that would match what you’re looking for is some specialized Money Market funds like blackrocks or merryl lynch or just a usual CD

Mentions:#CD

Spotify audio quality 320 kbps. Amazon up 850 kbps. CD quality is 1411 kbps. Amazon also advertised 'better than cd' quality but I am not sure if this is the case for every song. Depends what's their audio source. DVD audio is not a thing, they would need to work with music publishers directly. 3700 kbps

Mentions:#CD

6-9 month CD. Should be about 3%

Mentions:#CD

Overly complicated for no reason. Not every account lets you buy and sell options(you need clearance from most broker) and besides like you said, they are advanced and require a lot of knowledge to understand how they work properly. OP is better off with gov bonds or CD’s

Mentions:#CD

I'm sure closing that CD early is going to be just as bad as closing the Treasury early. They aren't going to assume the interest rate risk for you. Probably worse.

Mentions:#CD

Put it into a CD.

Mentions:#CD

"How the market is right now" "Today's music is just..." Same sentiment. Everyone thinks "well, it's complete chaos right now, so it's always going to be like that". Don't like the market today? Don't invest in it. You'd do best to buy $10K worth of iBonds and leave it at that. Do the same next year. Or maybe a 5-year CD.

Mentions:#CD

CD at 3%

Mentions:#CD

You can spend $10k with the USG here per year and get over 10% with an I-bill: https://www.treasurydirect.gov/ but you have to hold for 1 year to make it pay. As for the rest of it a simple CD unless this is going back into property in which case you might look at a 1031 exchange.

Mentions:#CD

This is risky and I’m aware. But I found a credit union offering to finance car purchases at 140% LTV. My wife and I believe the housing market will cool down significantly over the next 12 months (so far, so good). So we ‘bought each other’s cars’ at 140% of the value and financed them. Now I took that money and opened a new Citi checking account; they’re offering $1k cash incentive for new accounts with $100k. Once the waiting period expires I’m going to open a CD: 12 months at 3%. I’ll wind up with $104k, then use that as a down payment for a vacation home.

Mentions:#CD

I was in the same boat as you. I sold my rental in Aug last year and was not ready to buy another one in such a hot market. If your time horizon is that short CD is the most convenient way of getting some risk free returns. You can do T-bills but I’m not sure you can buy that much as a retail….check treasury direct…if you can and rates are more favorable then that will be good. I don’t suggest any vanguard funds because even the safe bonds have longer durations and that Has a price risk involved. My situation ended up getting an accepted offer and now I need to sell at a slight loss because I put the money in 50/50 fund. Though the fund is geared towards managed volatility I still am taking a 8% loss liquidating it.

Mentions:#CD

You definitely belong here, but maybe should YOLO on buggy whips or CD technology or whatever

Mentions:#CD

Fidelity has 6 or 9 month and 1 year CD’s at or above 3% right now.

Mentions:#CD

Avoid Michigan and Midwest as an investor, likely to lose $. Investment rentals in both coasts are OK, but you need to find 1st home in 2 years for yourself. That is your top priority. With interest rate going up, I sell stocks and keep cash buying CDs. Lots of 3 months paying 2.25%, 1 year at 3.125 etc. After expiry, I find another one paying even higher after the next hike in Sept You find them from your Brokerage under CD. My iBond from early 2000s pays \~10.5% interest rate now and have almost tripled since initial purchase. Before Oct 2022 it pays 9.62% even if the interest rate is reduced later to 5-6% ish you are still ahead of the stock game. Aviodance of paying CA Franchise tax board is another advantage. [10K per person](https://www.treasurydirect.gov/indiv/research/indepth/ibonds/ibondratechart.pdf).

Mentions:#CD

I’d do T bills over a 1 year CD if you might need it in 9 months. More liquid

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If he has a year, a CD would be better option as the interest rate will be a lot more. You can get 2% for 1 year

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Only some lower priced stocks. I bought Monkeypox virus stock since I did not time well on Covid vac earlier. It probably maxed out and took profit. Loaded with small oil and energy stocks. With Buffet's backing one seems to do better than others. Natural gas also. Inverse etfs. I suspect oil or natural gas shortage will persist as Russia source is sanctioned. By and large I am trying reduce number of positions to make my portfolio more green and managible. Do not mind to keep more in cash or CD, I expect the interest rate in the future is not what we experienced last decade.

Mentions:#CD

A balanced portfolio consists of stocks and fixed income funds. Financial planners always recommend a formula 100-your age =% in stocks. Assuming you are of age 30, they recommend 30 pct into fixed income. 70 pct into stocks. Given on Jan 1, 2022 you had $100,000 invested. By Aug 12, 2022 you have Case 1 : Invest $70,000 with a -20% return YTD --> $56,000 Fixed income of $30,000 with a +4% return YTD --> $31,200 Total: $87,000 portfolio Case 2: Fully invested $100,000 with a -20% YTD Total: $80,000 portfolio Delta 87,000-80,000=$7,000/$100,000= 7%. <----- &#x200B; PS: Fixed income can be T-bill, CD, corp bond, balanced bond, convertible bond, Municipal bond each one has risk rating. Then there is maturity date to take into consideration. 2022 is the bear year where people realize they have no downside protection. Most bet market will be running bull like previous years. We happen to have a bear year with the highest inflation. Hope that helps.

Mentions:#CD

Just skip Hood go with a more reputable well established brokerage. Most one can buy a 1 mon, 2 mon, 3 mon ... CD from a bank that pays more ... I mean some is 2.4% etc. After expiry it remains in your account.

Mentions:#CD

Why would Robinhood be risky? They are FDIC insured? Don’t treasury bonds change relatively often? Or is the rate locked in until maturity like CD’s and money market? I have about $6-7k in some Series I bonds. Thinking about maxing that out now that it’s at 9.2% or around there.

Mentions:#CD

Yeah money market is like CD’s isn’t it? Where it’s locked in for a certain amount of time? I don’t know if that’s what I want exactly. Something that is more liquid. I mean those are not bad, but if I was gonna have something locked up I’d just add more to my series I bonds. Paying 9.2% APY.

Mentions:#CD

I just recently learned about buying Treasuries, and they're really not any harder to buy than CDs. See for example https://thefinancebuff.com/treasury-bills-cd-money-market.html. It seems like the big difference is that with a CD, you can close it early, and you get whatever you get -- whatever the terms of the CD say, as far as penalties and so on. With Treasuries, there's a full market. So if interest rates have changed, that will determine what you get. So, if you're comparing a CD and a Treasury that you intend to hold to maturity, there's not a huge difference.

Mentions:#CD

Bro, put that 8k in a 10 year CD or something. Buy a fucking brick of gold idk...but get it off of a brokerage that has options.

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I don’t think a brokerage account is that much of a gamble. You can still invest in ETF’s, bonds, CD’s just like any retirement account.

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Take a look 🍉![img](emote|t5_2th52|8883) [https://i.postimg.cc/XNtL7tbt/AEA1-AA21-9-B00-4-F1-F-B4-CD-7-B286317-E86-C.jpg](https://i.postimg.cc/XNtL7tbt/AEA1-AA21-9-B00-4-F1-F-B4-CD-7-B286317-E86-C.jpg)

Mentions:#AA#CD

I bonds are a great deal. I have them too. Alternative was a CD paying .5% at the time.

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And im burning a love making CD getting ready for tonight

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How high? Is it a CD, or can you get out without incurring a penalty?

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Bond funds have normalized, about 3.3% yield on medium term bond indexes. Downside risk is that inflation does not calm by 3.5% Fed funds rate, upside is if the Fed has to cut rates (NAV on funds would increase). You can get a brokered 24mo CD for a similar rate so maybe not time to buy in yet unless you're going to DCA. Difference is, CD won't go up or down inverse to rates like a bond fund will. If you're going to buy an individual bond and hold to maturity that's a different conversation. All depends on your investment goals.

Mentions:#CD

LOL I found your 'analysis' [https://www.reddit.com/r/stocks/comments/mzmder/cd\_project\_red\_analysis\_theorycraft/](https://www.reddit.com/r/stocks/comments/mzmder/cd_project_red_analysis_theorycraft/) >CD PROJEKT RED ANALYSIS & THEORYCRAFT There seems to be a lot of opinion on CDR (Warsaw) aka OTGLY (ADR) so I figured I would throw mine into the wild as well. This is mostly bullish and I do hold a very small position so obviously, I am biased. Yup 30% YoY for 15 years. LMFAO when'd u take this position in this stock

Mentions:#CD#CDR#OTGLY

>Deflation depressing spending is in my opinion one of the most non-sensical statements and I do not understand how it continues to live on. You're confused by this because you don't understand the financial system. Banks, corporations, and people leverage hard asset valuations as anchors against their soft lending liabilities, which is analogous for the uninitiated to margin brokerage accounts where a reduction in the value of holdings results in an overall reduction in buying power and in the case of banks a massive asset de-leveraging event would completely freeze the reserve system's ability to lend, and a large portion of paychecks come from rotational short term loans (which is one of the reasons why people had problems getting paid during the 2008 crash). Most capital is not in active rotation at any given time, so your simplistic model where spending would just fill the gap to buy more would fizzle because the entire engine of capital rotation would freeze up to satisfy bank risk departments and avoid capital risk. The solution to this problem is the Fed doing what they did in 2020, which would be counterproductive in the case you're describing. Further, when you say that people would just buy more, you're citing Say's Law, and much to Thomas Sowell's chagrin, Say's Law is largely debunked. Demand doesn't just spring up, there are hard limits to how much crap people need to buy. This reminds of the apoplexy the music industry fell into when CD sales began to level off, expecting indefinite growth. It doesn't work that way... supply does not necessarily scale with demand, and price doesn't necessarily either. I have to be blunt: Saying you have a business degree basically doesn't mean anything. Most business schools or programs are fucking awful (they kind of have to be I guess to graduate people who think depressions are good and who don't know that hard assets are leveraged as lending anchors in the financial system after 2008). Even the good ones churn out people who have no idea what they're doing... I worked with a Wharton MBA once who didn't even know how to do a basic budget. These degrees are clearly basically worthless.

Mentions:#CD

Today on Schwab you can get an 18mo UBS CD at 3.2% and a 24mo UBS CD at 3.35%.

Mentions:#UBS#CD

There are plenty of directions to go with this, but I think the biggest help (to getting better financially educated) would be an understanding of Opportunity Cost. Suppose she has a plan to go to a picnic this Saturday. Then work calls her and tells her they want her to come in. What does she do? There are upsides and downsides to either choice. Whatever she chooses, she gives up the opportunity for the other. The Cost is lost Opportunity. Now translate that into money. If you put your money into a bank CD and lock it up for a year, you miss out on all the other things you could have done. If you buy one stock, then you aren't buying the others. No one knows which is best, but history shows that stocks are generally better than CDs. Since stocks are liquid (can be cashed out in an instant) you would be foolish to think that you 'can't' sell when something drops. I'm not saying you should - that's where research comes in. But the question that should be ever present is: "All things considered, where is the best place for that money RIGHT NOW?" And OP, remember that this is her money. Even though your intentions may be good, she has be able to sleep at night. If she makes moves that she is uncomfortable with, that's an Opportunity Cost as well. (Example, my father has tens of thousands sitting in a bank account. I think it's stupid as shit, but it makes him feel comfortable.) Her happiness is worth more than money.

Mentions:#CD

>You can get savings rates as high as 2.5% now. CD's are almost hitting 4% Obviously this is at smaller mostly online banks and not the big ones. wow which banks for those rates?

Mentions:#CD

You can get savings rates as high as 2.5% now. CD's are almost hitting 4% Obviously this is at smaller mostly online banks and not the big ones.

Mentions:#CD

That CD was left in the first car I bought and it created my entire identity ![img](emote|t5_2th52|12787)

Mentions:#CD

You fucking idiot. The most freedom any investment firm should have ever offered you was a 1% CD account.

Mentions:#CD

I really don't see a reason to buy more than 10k in I-bonds for myself. I look at it like being the best possible bank CD for the next 5 years.

Mentions:#CD

You can get more return in a six or twelve-month Certificate of Deposit (CD) which is paying as much as 2.5% for a 6-month or 3.10% for a 12-month. These are only better if you absolutely don't need that money for the next 6-12 months. Bask Bank is offering 2.02% for a saving account with FDIC Protection. Better than a Money Market Fund return.

Mentions:#CD

What CD do you recommend? I usually listen to Shakira when I’m picking out my trades

Mentions:#CD

"If I exercise a deep OTM put option will that inflate the price of the underlying stock?" "xyz stock trading at $1.00, I buy a $10 put option." If the stock is $1 and the put is $10 strike, the put is ITM, not OTM. Bruh, you need to shut down your brokerage account and buy a CD.

Mentions:#CD

Buy treasury bills. Easiest way is direct from the treasury department at Treasury Direct. 4-week bill is at 2.1%. 8-week bill is at 2.8%. You're not gonna get anything better from a savings account nor CD: https://www.treasurydirect.gov/instit/annceresult/annceresult.htm

Mentions:#CD

Tomorrow will feel like the Christmas morning when I got my n64 or the Christmas morning when I got a couple shirts and a Now that’s what I call music CD. Come on $64!!

Mentions:#CD

Right, so your goal is capital preservation, not growth. Which makes the money market perfect sense. Curious, if you have a set time frame in mind (say 3 months, 6 months, a year), have you explored into a brokered CD as an option? You could also build a CD ladder as well if you're concerned about interest rate risk.

Mentions:#CD

Ally financial No penalty CD. 1.6%

Mentions:#CD

The bank is currently offering a five year high on their CD Rates! I would check with them!

Mentions:#CD