CD
Chindata Group Holdings Ltd - ADR
stock NASDAQ ADR

Many years ago a CD trading site I was a member of gave me a free zune. I didn't know what to do with it.

Agreed, a guy posted earlier he’s selling all his silver and wants a high yield CD. Just today he posted that. He should never have been a stacker and had a great deal I’d guess at least five hundred ounces

Once you buy the CD you will lock in the rate
However what this is saying is today if you buy a 12 month CD the rate might be 5.2%
Tomorrow , or next week a 12 month CD might only be 4.9%
However if you buy a CD at 5.2% you get that rate for the entire time you hold the CD

Hard to beat 5.5% CD if you want to preserve the cash for a house.

Continue with the CD at 5.5%

Got some cash in a 9-month CD that will be maturing in a month, and looking for options to re-invest for passive income strategies. I was previously receiving 4.4%, and can probably get 5.5% if I created a new CD.
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No need for the cash for at least 2-3 years (house purchase). But capital preservation is essential since I'd like to use the funds for a down payment on a house.
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Options I've considered:
\- Dividend ETF
\- Money Market Fund
\- U.S. Treasury Bonds
\- HYSA
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Any others that folks would recommend?

I got 5.5% in a year CD

I'm looking to open a CD, and one bank says the APY on my CD could change from when I choose it to when it matures? I thought the point is that doesn't happen with a CD. I'd love help understanding.
From forbrightbank "Rates and APYs are subject to change at any time. Your account will receive the current rate that is in effect at the time of successful completion which may differ from when the application is started."

Eight months is an extremely short timeline to hold equities. You are running the risk that the market declines within that timeframe and when you need your money it may no longer be available in the amount you need. It is recommended that money you will need in the short term be held in less volatile holdings, like a savings account, CD, a money market fund, or short term bonds.

Hi there, u/IKantImagine. I can definitely shed some light about changing your core position and how that affects open orders in your account.

When you elect to change your core position, which holds uninvested cash in your account, the update occurs during the next nightly cycle. Keep in mind that your update needs to be entered before market close at 4 p.m. ET to occur during that day's nightly cycle, otherwise it will take place during the next business day's nightly cycle.

As long as you have sufficient cash available on the settlement date, changing your core position will not affect the execution of your Certificate of Deposit (CD) order. You may notice cash committed to open orders listed on your "Balances" page, indicating the amount that will be used to purchase your CD, but it will not be debited from your account until the settlement date. I've dropped a PDF below about the timeframes for CD orders for some additional clarity.

[Timeline of a CD Order (PDF)](https://fixedincome.fidelity.com/bin-public/060_www_fidelity_com/documents/fixed-income/New-Issue-CD-Order-Next-Steps-Help-1.pdf)

If and when you're ready, you can change your core position on Fidelity.com. Simply log in, head to your "Positions" page, and expand the "Cash" position for the right account, if you have more than one. You'll find a green "Change Core Position" button to get started. You can also review more information about the eligible core positions on our Trading FAQs page.

[Trading FAQs: What are the investment options for my core position?](https://www.fidelity.com/trading/faqs-about-account#faq_about2)

If we can answer any other questions, please let us know!

There’s a rule of thumb to put (100 minus your age) percent of your investments in equities and the rest in bonds. At 30, stocks are 70%, at 50 they’re 50%, and at 75 they’re 25%.
I’m old and only take the RMD from my IRA, since Social Security and pension prevent any need to pull large sums out of investments for living expenses, and HELOC from the paid-off house could cover emergency expenses. Thus I can minimize the bond portion. The RMDs for next year will come out of a 5 year CD ladder, like the bucket system.

Retired about 2 years ago and my wife retired about one year ago. We are young, 59 and 57. Our annual budget is around 200K. We both want to travel extensively for the next 5 years so let's say 300K year budget. My Fidelity portfolio is around 4.1M (3M in IRA - 1M in Brokerage - 125K in Roth). I have another 400K @ VG and 150K @ Etrade and 1.5M in property. No debt whatsoever. Pensions are around 75K/year. Inherited nothing. All of this is from putting as much as I can stand in the S&P for 30+ years. Guess I was a Boglehead and didn't know it. I did make a good income and just dealt with the stress until I needed out for a variety of reasons.
Over the past 2 years I've diverted close to 95% of my portfolio into fixed income. FMPXX, FZDXX, CD's, etc. The remainder (\~200K) is in VTSAX and SPY with a few stupid stocks. Just got scared of the market and really thought a recession was around the corner. I do have a FA through Fidelity that calls me monthly and wants to manage my portfolio. That's not going to happen. I like the idea of DCA \~ 40% of my portfolio back into FXAIX, VTSAX, VTIAX and keep the balance in FMPXX. I'd like to do this over the course of a year. Am I making any sense?

Can I change Core Position on Cash that is scheduled for a Future CD?

VUSB is a liquid, safe and a yield of 5.59% short term treasury etf. It has an expense ratio of .10%. The risk is if ST treasury rates fall as the fund’s rate is floating. A CD you lock in the rate but not as liquid or get a penalty for taking it out early. I’m currently using this ETF for a savings goal. Just an idea for you.

You know the deal - if you have a short timeframe such as a year and a requirement to be safe as you do, it is t-bills, CD, or similar. You won’t 5% your way to any new wealth, but you’ll have your safe money after a year. Low risk, low reward but your requirements are met.

Just made 40% in 5 mins from ponzi GTA CD store

it's called self control. I stopped at 3k loss. it's gambling problem.
This year has been bad. I've been mostly doing tbills and collecting that 5% from the CD.
Now you have to self reflect what you did wrong? Focusing on starting a small business like selling something.

Live in small town. Melt is currently $25 oz. Pawn shop offered $12 oz. Trying to sell and dump the money into high yield CD. But, not trying to take a bath. What is best way to sell??
Mostly 90%. Halves 571oz. Quarters 159oz. Eagles 280oz. Total just little over 1000oz.
Thank you guys in advance!!

Welcome back to the sub, u/ivantran85. We're happy to discuss Treasuries and the secondary market in further detail.

Treasury Bills (T-bills) bought and sold in the secondary market trade higher or lower based on market conditions and are not commonly traded at a whole $1,000 per unit. This is something to consider, given the scenario you've provided above.

That said, if you need to place a sell order for all or a portion of your investment prior to maturity, you will be able to do so. When trading U.S. Treasuries, including auction and secondary issues, there are no fees or commissions charged online; however, if a representative places the trade on your behalf, then there is a $19.95 commission charged to your account. When trading secondary issues for other bonds and Certificates of Deposits (CDs), there is a $1 markup per bond purchased online.

Moving to your next question, if you sell a T-bill on the secondary market before its maturity, you will not receive accrued interest in the way you might with other types of securities. T-Bills are discount securities, which means they are sold at a discount to their face value and do not pay periodic interest. The "interest" is the difference between the purchase price and the amount you're paid at maturity.

To touch on the last part of your question, you are able to sell T-bills on the secondary market before maturity. If you choose to sell, you will receive the market price, which may be more or less than the face value or what you originally paid. The market price you see listed on your "Positions" page will reflect what you may receive if you choose to sell in the secondary market before maturity.

Furthermore, T-bills on the secondary market do require you to enter a limit price and a quantity that a buyer on the other side of your order is willing to purchase. If the Depth of Book does not have any orders to meet the parameter at the time that you enter your order, the order will remain open until a buyer agrees to make the purchase at that price and quantity.

You can check out the Fidelity Learn article below to learn more about how maturity, changing prices, market interest rates, and yields can affect your decision.

[Bond & CD Prices, Rates, and Yields](https://www.fidelity.com/learning-center/investment-products/fixed-income-bonds/bond-prices-rates-yields)

If you need additional assistance with purchasing or selling T-bills or any other fixed-income product, you can also reach out to our Fixed Income team. They are available by phone from Monday to Friday, 8:00 a.m. to 8:00 p.m. ET.

[Fidelity Contact Information](https://www.fidelity.com/customer-service/contact-us)

We appreciate you finding your way back to our sub; please let us know if you have any other questions!

Bonds vs. CD's: is there any reason to choose one over the other besides yield and duration?