2324: MONDAY MASTERY - What You Need to Know About Laddering CDs by Dr. James M. Dahle
Optimal Finance Daily - Financial Independence and Money Advice
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How to Buy CDs
When a bond is sold prior to maturity, it can be sold with either a gain or a loss. Building a ladder of CDs can help you match future liabilities and earn more interest than buying shorter-term CDs. If your concerned rates are going to drop, you can lock in today's rates for years by purchasing a 5-year CD. But if your 100% sure rates will drop, you'll be better off buying long-term treasury bonds.
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