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I'm retired. A Multi Year Guaranteed Annuity (MYGA) is a pretty good alternative. You can build a 3-6 year ladder and do pretty well. A CD ladder is an alternative also. I would stay away from bond funds but I would look at the Target Date Bond Funds. I think the trick is the drawdown. I take a fixed amount or 4% of the balance at the end of the year, whichever is the lower. I don't adjust for inflation. Just the 4%. I also keep about about a year's worth of expenses to carry me through lean years in which the drawdown is the minimum. Enjoy your retirement! I certainly enjoy owning my time.

Don’t you dare! You got a baby on the way. CD ladders are your only way out.

this sub will be talking CD rates in about 5 years.

until that correction hits then it's the CD bros turn

I use Discover bank, and it is CapitalOne bank now. No problem with fund transfer with Schwab. I also bought Schwab brokerage CD with the plan to hold to maturity for 250K FDIC protection per bank.

I have very little in CDs (just no penalty ones) and I think one locked in CD ladder set to open up every 3 months. yes I have the Tbills to avoid income tax in my state. quite a bit in some 4.5% HYSA (marcus but it's a hustle to get referrals only 3 months rn .. that was basically my question I only plan on doing this for a couple months , then diving into the market.

SGOV is easy in and then out of anytime so you aren't locked in like a CD or T bill.

Those are not all the same vehicle. If you invest into a traditional CD, you'll have early withdrawal penalties if you decide to get out before maturity. If you buy a short term secondary, you risk price fluctuation. T-Bills are fine, but the short term ones sometimes are no better than a brokerage money market or HYSA, and they'd only benefit you if you're in a state where you'd otherwise pay taxes on investment returns. If you're wanting to stay ahead of inflation on a higher amount of money, a 4%+ HYSA is fine for a year or two until taxes on interest pull it under. A higher interest Treasury will work for maybe a few years.

Does anybody have a spare AOL CD left with preferably more than 100 min left?

if I didn’t have those: CD ladders, probably.

Hi, I'm a 23 year old working a corporate job seeking advice on my financial plan. I am a beginner in regards to financing, so any feedback on changes I should make will be greatly appreciated. Context: Living with parents since my office is near my house, therefore I have minimal expenses. I had all my income go into my checking account (around 58k) and realized that my money wasn't growing by just sitting inside a checking account with no interest. I wanted to make my money grow for me passively, so I came up with a plan outlined below. Retirement: I have a 401k set up with my employer, but I also did some research and am planning on allocating $7,500 each year to enroll in the Roth IRA and put all my investments in S and P 500 as a safe investment. I am also planning on using $10,000 to enroll in a Target Date Fund where investments are handled for me as I age. I wanted to do this to diversify my retirement investments. Investment: I have moved $20,000 into Fidelity. I am planning on using $10,000 for a 1-year CD, since I don't need the money at this moment and they typically have higher interest rates than HYSA and money markets. For the other $10k, I am planning on investing in a government issued bond. I plan on leaving $15,000 in a HYSA to grow with interest. In case of emergency, I believe the money in a HYSA is easy to pull without any additional taxes. This is a draft of my plan to move money sitting in a stale checking account into different streams of investments. Any feedback or advice would be greatly appreciated. I look forward to learning more about financing.

If you are expecting a major purchase like that, have a seperate investment account dedicated to saving for that. Focus on low risk investments that might not have as much growth, but have low volatility and won't respond to a market crash. Bonds, CDs, HYS, certain commodities, etc. The sort of stuff you might have a small amount of as a form of diversification in a growth focused account now becomes the primary investment strategy. I have an account that I have labeled "Housing Fund." It's nominally for me eventually making a down payment on a house, but it also could be tapped for something like a car or other major expense that isn't an emergency. I have that mostly in a CD ladder with the next largest chunk in a Federal Bond ETF. I do have some in an S&P 500 ETF, but it's a relatively small portion of the account. Because I expect to tap most of this money within the next 5-10 years, the account is tuned more towards stability than growth while still seeking enough growth to beat inflation.

VUSXX, Treasury Bill/CD Ladder. Or if you're in an extremely competitive housing market like myself, an index fund and hope for the best.

Before you buy a CD, I'd check out the returns on FCLO and FAAA

Pay to let somebody else do it for you. You have a minor investment problem so commit some money per month to it and walk away. A bank CD looks genius next to your current results. However, you have a major gambling problem, decide what you want to do.

I will propose a very non reddit list albeit risky as hell too: Eutelsat (Europe investing in LEO), Stellantis (turn around play), PANW (cyber security security against ai pelosi stock, BYD (not hyped up tesla with fundamentals), CD projekt (Witcher 4 coming out next year), ASML (still the only shovel sellers, if you really wanna go AI)