CD
Chaince Digital Holdings Inc.
stock NASDAQ

coupon and yield are not the same number on the secondary market. a high coupon CD trades above par, and the premium you pay eats the difference, so sort on yield to worst instead. at new issue they line up and it matters less.
the one people miss is that FDIC coverage is per issuing bank. three high payers that turn out to be the same bank puts you over without noticing.

It's actually a good time, since CD yields are approaching 5%.

I agree with that. Was just trying to see if I'm missing any other reason, maybe it's just as simple as go with the highest rate for a non-callable CD. Thanks.

Initially I'm going shorter term (1 year-ish) however that is a very interesting strategy for a longer term CD and yes, I usually see slightly higher rates on the callable ones, everything else being equal.

If you don't need to touch it Bonds or an Bonds ETF might work better for you than CD's

Assuming you’re not comparing different terms, and you are staying under the FDIC insurance limit, the only reason that I would think it might not be good is if the CD is callable by the bank prior to the end of term.

I'll take a stab and someone can correct me.
CD Laddering is where you split your investment into multiple CD with different maturity dates and rates. It's really nothing special but rather than doing a lump into a single investment, you have to ability and position to wait longer for a higher return than the shorter CD. Simply, adding each CD's return at maturity will have a greater return than a single CD.
Here's a great break down of how ladder CDs work. [https://www.bankrate.com/banking/cds/cd-ladder-guide/](https://www.bankrate.com/banking/cds/cd-ladder-guide/)
So, do you have $50k to invest? Why are you choosing CDs vs an Index fund?

Schwab's CD ladder builder was super easy and it's nice the way you can set it to keep cycling. I'm getting good rates on the brokered CDs with basically zero effort. A while back one of them was from my own bank, but at a much higher rate than they offered me locally.

I made the mistake of investing in CD projekt red before Cyber Punk.. never again.

I use Schwab. I pick from the best CD they offer in each category. I do not bother trying to look at banks for better rates. The convenience of doing it online saves me from losing days every time a CD matures.

No reason to but my CD is 4% annualized

For people who built a CD ladder, how did you choose the individual CDs?

That's right. You can also make a bot that always sells any asset after 5 minutes after buying it. Or a bot that continually invests in multi-month CD's. Or a bot that randomly buys shares of any symbol and holds them until the previous trading day had rainy weather in Hopkins, Minnesota. Software is pretty cool sometimes.

I’d rather use a short term treasury bill ETF like SGOV since it’s more liquid than a CD and I don’t have to keep buying more CDs. I also think that much more than 10% of net worth in cash substitutes like SGOV is too high.

keep emergency cash outside of your investment portfolio either in a savings account or a short-term CD ladder. it is a very small piece of your net worth so I would not be that concerned about the yield.

A CD is not going to be as liquid as FZDXX. That is why it is going to pay more.

Good morning! 👋
Rising interest rates can be viewed as a good thing or a bad thing, depending on your intent. Higher rates increase borrowing costs and can lower company earnings, which may pressure stock prices. Stocks and bonds have become more closely linked, with investors comparing yields. The higher bond yields go, the more attractive they begin to look relative to stocks.
I've included some links below where you can learn more about fixed income and how prices, rates, and yields interact.
[Bond & CD prices, rates, and yields](https://www.fidelity.com/learning-center/investment-products/fixed-income-bonds/bond-prices-rates-yields)
Let us know if you have any other questions for us!

Dollar Cost Average it
Use 100,000 for 1 month CD
Use that interest to cycle it into SCHD
Always protect the principal

Aha. I appreciate you! I mean yeah, I see arguments for both.
I think if companies weren't beating expectation it'd be a different story but they are (as u/RationalReturns alluded to).
But I also fear the SPV's that these companies are using inflating their margins and understating their losses. (Our version of CD's in 2008).

No, not really, but I exaggerated some. My credit union is paying 3.45% for 3 month CD and the same for money market accounts. I expect they'll go up now that the Fed has raised. 4% for 1 year CDs.