When it comes to managing your money, there are various investment options available, 最受欢迎和最保守的选择之一是定期存单. CDs are a low-risk, 加拿大28软件和信用合作社提供的有息投资选择, and they can be a valuable addition to your investment portfolio. Keep reading to learn what CDs are, 他们的福利, and gain some valuable tips for using and investing with CDs.
What is a Certificate of Deposit (CD)?
A Certificate of Deposit (CD)是一种允许你在固定期限内存入一定金额的金融产品, ranging from a few months to several years. In return for locking in your funds for that time, 加拿大28软件或信用合作社按预先确定的利率支付利息. At the end of the CD's term, 你收到你的初始存款(本金)和应计利息. 大额存单被认为是最安全的投资选择之一，因为它们有保险, 最高250美元,每位存款人000美元, per insured bank or credit union through the NCUA or FDIC.
Benefits of 投资 in CDs
Before we dive into tips for using and investing in CDs, let's take a moment to appreciate their advantages:
- 安全性:大额存单是最安全的投资之一，因为它们有NCUA和FDIC的担保, which means your money is protected.
- Predictable returns: The interest rate for a CD is fixed, ensuring that you know exactly how much you will earn at maturity. 在不确定的金融时代，这种可预测性是令人欣慰的. 使用我们的存单计算器来计算您将获得多少利息. 在Arbor，对于12岁以下的孩子，我们的最低存款通常是500美元或100美元.
- 低风险:存单风险很小，因为你的本金和利率是有保证的, unlike the stock market, which can be highly volatile.
- Variety of terms: CDs come in various terms, 允许您选择与您的财务目标和时间表相一致的到期日. 在这里，我们的最低期限是6个月，有时甚至更低.
有效使用及投资定期存单的贴士.
Diversify your investments:
While CDs offer safety and predictability, 它们可能无法提供与股票或房地产等风险投资相同的回报水平. 为了最大化你的投资组合的表现，考虑分散你的投资. 将一部分资金配置到定期存单上，同时也要探索符合你风险承受能力和财务目标的其他投资选择. To learn more about investing speak to our wealth management specialist Cory.
Match CD terms with financial objectives:
Choose CD terms that align with your financial objectives. 如果你是为了短期目标而储蓄，比如度假或应急基金，选择短期定期存单. For longer-term goals, such as retirement, 考虑长期大额存单以获得更高的利率. Don’t forget to take advantage of any CD specials.
Shop around for the best rates:
Interest rates on CDs can vary among different financial institutions. 为了获得最好的投资回报，比较不同加拿大28软件和信用合作社的定期存单利率.
整理你的cd:
CD抽丝 是一种涉及投资多种不同期限存单的策略吗. This approach provides liquidity, 因为你的一部分资金可以定期提取. 它还允许您从较高的长期定期存款利率中受益，同时保持灵活性.
Avoid early withdrawal penalties:
当你投资定期存单时，你的钱通常会被锁定到到期日. 提前提款可能会导致罚款，这可能会侵蚀你的收入. 为了避免这种情况，确保你只把钱投资在定期存单上，在定期存单到期之前你不会用到它.
Reinvest when CDs mature:
When your CD reaches its maturity date, 您可以选择提取资金或再投资于另一份定期存单. If you don't need the money immediately, 考虑把钱再投资到新的定期存单上，继续赚取利息. This strategy can help your savings grow more over time.
存单(cd)是低风险、有息投资的绝佳工具. They provide a safe and predictable way to grow your money, and with the right strategies, you can make the most of your investments. By following these tips, 你可以有效地使用和投资cd来实现你的财务目标，同时保证你的资金安全. To open a CD at Arbor financial stop into 今天的任何分支机构!
