CD
Chaince Digital Holdings Inc.
stock NASDAQ

Right now I would dodge the stock market like its ebola. With P/E ratios of over 60, commonly on borrowed dollars there is no room for growth. 60 years to make in returns what the stock currently costs is insanity.
I would suggest banks with low private equity in a month to month CD for 50%.
25% in cash to purchase commodities, things society must have. Energy sector is always good.
25% into tangible assets. Gold and silver are high liquidity with an average growth rate of 6.6% per year. If you want to add some low liquidity moderate risk, get some exotic metals. The PMG group is significantly rarer than gold. Risk assessment is on you.

Just to satisfy my curiosity I asked my IPhone’s search engine the following question ……
“how often is THE NASDAQ market site used to annonce IPO'o's, mergers - etc?”
Here was the response………
The [Nasdaq MarketSite](https://www.nasdaq.com/market-activity/ipos) in Times Square, NY, hosts approximately 500 opening/closing bell ceremonies and 2,000 corporate events annually. These are used to celebrate Initial Public Offerings (IPOs) and major corporate milestones, though the venue is not the primary channel where regulatory announcements or news are legally published. 

YouTube
·CNBC Television
A more specific breakdown of how often these events and announcements occur includes:
**IPOs:** Nasdaq historically welcomes between 170 and 300 IPOs annually. Each of these listings generally features a celebratory opening or closing bell ceremony at MarketSite.
**Mergers & Acquisitions:** When a company announces an M&A deal, they typically issue standard press releases to financial newswires and file regulatory documents with the SEC (e.g., Form S-4). MarketSite ceremonies are only held for massive M&A deals or when a major transaction results in an uplisting or a new ticker symbol debut.
**Corporate Disclosures (CD):** Material corporate news (such as earnings or executive changes) is not announced via the physical MarketSite stage. These must be officially filed via the [SEC EDGAR System](https://www.sec.gov/Archives/edgar/data/1639920/000119312518063434/d494294df1.htm) and typically require notifying Nasdaq's MarketWatch department at least 10 minutes prior to public release. 
Nasdaq
 \+5
For daily and upcoming IPO listings, you can check the Nasdaq IPO Calendar, while official regulatory updates are tracked on the [Nasdaq Financial Filings](https://www.nasdaq.com/market-activity/ipos/financial-filings)portal. 

Nasdaq
 \+1

You could also look at a CD Ladder. Fidelity is advertising a 4.12% APY on aa 5-year ladder.

You certainly want to keep some of your emergency fund in a money market fund such as spaxx, for immediate same-day access, but that immediate access comes with the penalty of lower returns. I'd want to put a considerable majority of that money into something like a high(er)-yield short duration (<3yr) bond fund. You can still get access to the money in that Bond Fund within two or so business days, if you sell it. So it's not tied up like a 6-month CD, and some of the short duration bond funds have very impressive yields.

How do US long term CDs compare to bond (funds) then? Say a 5 year CD vs VGIT?

CD is not a bad idea now the rates are going up. You could ladder your cds with different duration and amounts can get between 4 to 5 % and zero risk. Schd is good, in certain market conditions it may loose Nav value depending on your entry point .Also depends on your risk tolerance.

Put 10000 in SCHD the day the fund started, do the math on how much you would have today with DRIP. Now pick the best CD you can find, keep reinvesting in that CD over and over adding the profit and tell me what you come up with.

I don’t think they would care tbh. What Drake does is the only issue. He’s too big and going to break Michael Jacksons #1 record with zero push from label and zero radio play. He goes independent and pushes other independent artist then nobody will sign to a major anymore. The writing has been on the wall for record labels for a very long time with social media and technology. You don’t need CD distribution and you don’t need radio play(Spotify/Youtube) You don’t need a Jimmy Fallon interview/performance(Podcast) Every advantage record labels had or provided is being replaced as technology advances.

More upside with SCHD. Your money isn’t locked up like in a CD. If you want something safer, SGOV or some other bond etf.

Brother I had my net worth swing from $300k to $-150k back to $200k in a five year time period
Don’t let one loss cloud your judgement
I would argue that the CD is actually riskier because it offers zero hedge against inflation
With the CD you might get slightly more income and you know the dollar amount on the screen won’t go down but you could lose a consequential amount of your purchasing power over the next few years because of it

Proof: [https://imgur.com/a/7T9WlMJ](https://imgur.com/a/7T9WlMJ) 
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1878 7/8TF Weak VAM 41C 7/4 Clash PCGS MS64 Morgan (Super CD: Elite Clashed Morgan Dollars) [https://imgur.com/a/rWHOht3](https://imgur.com/a/rWHOht3) (465.00)
VAM Link: [https://vamworld.com/wiki/1878-P\_VAM-41C](https://vamworld.com/wiki/1878-P_VAM-41C) 
1807 F Draped Bust Half Dollar (Scratches) [https://imgur.com/a/Y655Nvh](https://imgur.com/a/Y655Nvh) (410.00)
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1987 S Constitution [https://en.numista.com/17658](https://en.numista.com/17658) (2)
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And the dividends are qualified vs the regular tax rate you’ll pay for the CD pay-out

As others have said, the big thing is your principal and dividend will likely grow long term in SCHD. Neither will grow in a CD. Yes, it’s possible SCHD’s principal could go down over certain time intervals but likely to rise in medium-long term scenarios.
But no one I have seen has mentioned that SCHD also has better tax treatment. It pays mostly qualified dividends which is likely better for you than ordinary CD interest.
Honestly this is going to sound rude but this is all pretty basic, foundational investing stuff. Please make sure you get knowledgeable on these things (preferably elsewhere than strangers on Reddit) before committing significant capital.

It depends. If you have a CD and get a rate that’s same or greater than real inflation, AND you don’t spend the interest but just add it to principal, then you do have 100% principal protection and inflation protection, but I wouldn’t say you have any *return*—you need to plow interest back into the position just to keep your principal’s real dollars constant, so it’s just treading water.
However, if you need to actually spend the money generated by a position, then spending the interest from a CD is no different from essentially spending down your principal (after accounting for inflation).
With SCHD, even though the principal is at risk, you have a fighting chance of principal keeping up with inflation while being able to spend the dividends. There’s also a decent chance principal AND dividend growth will keep up with if not outpace inflation.
So no, the two are not the same. At all.

A CD is a set %
Dividends from schd will grow. The 3 and 5-year annualized total return (including reinvested dividends) for SCHD are 14.02% and 9.07%, respectively. A CD's earnings will never catch those dividends

Have you looked at the SCHD price chart? While collecting that 3.25% annually, the value of your investment is increasing. Your CD doesn’t do that.

As always, it's risk vs total return. SCHD has more risk than a CD (nearly everything does) but offers greater upside potential. There are other investment options that carry more risk than SCHD and offer more upside potential than SCHD does. The bigger the risk - the more potential return. At least it better be, or there's no point in taking on greater risk.

I see there’s a lot of people that have SCHD and see that the dividend is apprx 3.25 question is why wouldn’t you just go into a CD for a safer return? I am debating on which to get into but it doesn’t make sense to be in the stock market for the same amount of interest you could get in the certificate of deposit.

Interested in hearing Bogleheads view on this one. Trying a prudent approach to an unconventional path.
10+ years in the corporate world, stepping out for 12-18 months to do some long term slow & cheap travel.
Planned allocation:
\- 50% in CDs -> Already had this amount in HY for a while due to a family situation (needed to be highly liquid quickly with unknown amounts), now locking it up for the duration of the trip. Want to have this available at the end of the trip for next steps (potentially permanent move to a new country & investment there).
\- 40% IRA/Roth in VFIFX
\- 5% small cap investments -> purely for fun and tracking new developments in industries
\- 5% HY -> money that would be used during the trip, probably will not need all of it but want to have a buffer in case of emergency
As I will not be employed and CD + HY would be just around the standard deduction amount I expect no or minimal income tax obligation. Changing US residency to a no state tax location so nothing on that front either.

No, but a CD defeats the purpose of having cash or something close to cash ready for investing. I would argue a CD at that rate is an investment on its own already.