CD
Chaince Digital Holdings Inc.
stock NASDAQ

Depends on what you want. I have two investment accounts. 
One an IRA - Retirement Roth Account and the other a Brokerage account. 
My Retirement Account I have mostly VTI+VXUS these are high growth ETFs which should always be the core of your portfolio. Im not worried about low risk so I'm heavy into VTI/VXUS.
In my Brokerage I have a mix of VT+ SGOV + SCHD + JAAA + CDs/Bonds
In my brokerage account my strategy is to have money there so it can grow and collect interest with low risk. I view it as a savings account that where the money is in the market (VT) or being loaned out (CDs/Bonds). VT is the highest risk I have but I have only roughly 15% if my holdings there. SGOV are bonds but in ETF form. JAAA is something else but is a bumb up in risk from SGOV, higher gains but more risk, and I have individual CD/Bonds. So my goal for my brokerage is to have multiple ways to earn 3% - 6% interest passively but have a low risk. The majority of my holdings are in CDs/Bonds. 

Incorrect. First of all i'm not talking about bank CDs. I'm talking about institutional or brokered CDs. I work for a very large national firm. I'm a CFP as well. These types of CDs have estate features and also can be transferred as securities.
I do understand how all of these products work. You just failed to ask the right questions.
And yes, fixed annuities ARE a cash alternative. It's just a date it matures on and has a fixed rate. It's the same as a brokered CD except it is backed by a different institution instead of FDIC.

Could it? Sure Trump can. But then I thought the same of the Biden Administration. That is why we keep roughly 3-years of expected spending in cash, money market and laddered CD's. That way When the economy tanks we don't have to sell into a falling market

Congrats on your company sale! Here's my opinion for what its worth :)
Bonds are practically a CD at this point. Gold, crypto and silver ETFS are very liquid too. Personally only gold has a long enough track record for me but to each their own.
You don't seem to have a true hedge in place? If the market crashes what goes up in your portfolio?
Has your manager been beating the market on a risk adjusted basis?

That all sounds very well thought out, honestly.
Paying cash for the house wasn’t “wrong” — it was a risk decision. You traded upside for certainty and stability, which matters a lot with a new baby. There’s no spreadsheet that prices peace of mind.
Your plan checks a lot of smart boxes:
Emergency fund stays liquid (HYSA)
Near-term needs isolated (CD for car)
Long-term money gets time (DCA into the market)
Roth IRAs when income is lower = huge future win
529 + custodial planning early gives compounding the longest runway
The biggest thing you’re doing right is sequencing — not forcing everything at once and not chasing returns while life is changing fast.
If you stay consistent and avoid over-tinkering, this kind of structure tends to quietly outperform a lot of “optimized” plans over 10–20 years.
You’re building a system, not chasing a year.

CDs or ETFs for three children?
I am a single dad, one year out of a marriage with a partner who did not value saving money at all.
I'm a little late to the game (early 40s) but so far I've got $10,000 in a 401(k) that grew about $3K this year (I have the risk slider at 7 out of 10) with max employer matching and a $1500 emergency fund.
With my tax refund coming up, I was wondering if it would be better to set aside $1000 for each of my children (ages 13, 11, and 8) into a CD, or if I should just dump that into ETFs like SPYI. My 13 has a head start, with a portfolio mostly consisting of $400 worth of SPYI, SCHD, and SCHG.
Any advice would be appreciated. Thank you.

> I have no debt
That’s great to hear. What I would strongly recommend is to avoid any kind of lifestyle inflation as a result of receiving this payout. I think you’re on the right track by asking about it here, so find a good reliable long-term plan for it. How do you feel about considering it purely an addition to your retirement funds? How many years approximately will it be until you retire? If you want to consider it as retirement funds, a couple important goals should be diversification (choose a fund, not a small number of companies to invest in), and keeping up with or hopefully beating inflation.
I only use CDs for money that I need to keep in the bank that might get spent within the next couple of years. Rates are also on a downward trend, so the rate you get today will likely be unavailable at maturity when you’re ready to roll the money into a new CD.

Some regard trying to show off how smart they aren't...
Anyway, if you spend more than two seconds thinking about this, their holdings are probably set up in a revolving structure similar to the CD ladder you'd get from a local bank.
So they're continuously redeeming and repurchasing bonds of some given duration, and the net purchase/sale in any given period is a small fraction of their total holdings.
Their actual threat would be along the lines of "we're going to continue redeeming mature bonds, but we're going to stop buying any new ones", and the demand shock from that absolutely would move rates.
As for banning the secondary market.. if you want to make rates go to infinity, that's how you make rates go to infinity.

Low risk stuff makes sense cuz $8900 isn't huge. Maybe stash some in a high yield savings or CD, toss a bit into broad ETFs, safe but still grows a little.

That’s 6% in qualified dividends, taxed at a preferential rate as compared to a CD.

How much money do you make and what is your area cost of living? 9k not really anything in grand scheme of things if we’re keeping it real, so CD interest will be Pennies. Just put it in SPY and forget you even got the windfall

Maybe get the money into BOXX until you decide what to do with it longer term.
(BOXX is an ETF that sells box spreads and goes up a penny or two everyday but it never goes down.)
It pays about the same as a CD and equal or more than most bonds. But it's easier cause it is in your webull account don't have to move the money around.

Thank you! One of the reasons we let our money sit was to buy a house, we waited until we could pay cash which might not have been the best choice since home prices rose quickly but we wanted the piece of mind of owning. We’ll keep the 12k in HYSA, do a CD for the car fund, and then go with the beginner structure you suggested with the rest, probably doing the DCA. I quit my job a couple months ago (we just had a baby and I’m hopefully staying home with him his first 3 years) so I think for 2026 we’ll start Roth IRAs and max them out since our taxable income will be lower. We saved any money our baby got for Christmas since he won’t know the difference this year and are going to open a 529 with that and look into a Trump account. We’re also planning on putting the child tax deduction in a 529 or Trump account. 

CDs or ETFs for three children?
I am a single dad, one year out of a marriage with a partner who did not value saving money at all. I'm a little late to the game (early 40s) but so far I've got $10,000 in a 401(k) with max employer matching and an emergency fund.
With my tax refund coming up, I was wondering if it would be better to set aside $1000 for each of my children (ages 13, 11, and 8) into a CD, or if I should just dump that into ETFs like SPYI. My 13 has a head start, with a portfolio mostly consisting of $400 worth of SPYI, SCHD, and SCHG.
Any advice would be appreciated. Thank you.

I (M25) received a check of about 8,900 dollars for part of the money from the sale of my late grandmothers house. I have a bigger family so this was my cut.
Basically I’m unsure of what route to go with it. I have no debt, my credit is okay. I’ve thought about investing or just leaving in my Webull account to average in. My current portfolio is just north of 6k. I’d like to split it up somehow within some low risk stocks/etfs I would just like to get some opinions on what you would do. Or maybe a CD? I’m not financially illiterate but I definitely need advice. Thanks.

Treasuries or CD ladders. If you do short term, you should be able to get a bit higher than 4%. But given the economic cycle, inflation, politics, etc., it seems that interest rates will stay the same or decline in the future.

I am a 57 year old female that has never thought about retirement. I have two paid off homes. One is my primary residence valued at about $300,000, and one is a rental that is about half that. I have very little income( $3,000 a month ) but have about $50,000( inheritance ) parked in a CD at the moment. I would like to have monthly or quarterly income dividends, so am pondering what to do.
I have a 2019 Toyota Sienna that is paid in full, but have some cc debt.

It's kinda like how a square is a rectangle but a rectangle isn't a square.
Technically a MYGA is a single premium deferred annuity. However, most SPDAs don't have set term lengths like a MYGA, and their crediting strategies are usually variable. A MYGA has a guaranteed rate that won't change throughout the term of the policy, like a CD.
Comparing an SPDA with a MYGA doesn't make much sense most of the time, even though a MYGA is technically a SPDA

Which CD or savings a/c pays 6% ?

So, like, a CD, or savings account? It pays slower than we're losing to inflation. That's not value that depreciation brother.