Investing Blog

Wednesday, July 14, 2010 12:31 pm
By Sheyna Steiner · Bankrate.com

Yesterday I asked Herbert Hopwood, CFP and president of Hopwood Financial Services in Great Falls, Va. why investors would buy CDs in an IRA. It’s kind of a silly question but, luckily, Hopwood believes there are no dumb questions, only dumb answers. So he gave me a smart answer. “We consider them like a bond.

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Tags: bonds, CD, CDs
Friday, July 9, 2010 3:27 pm
By Sheyna Steiner · Bankrate.com

Though the FDIC currently insures deposits for up to $250,000 — and will forevermore if the Dodd-Frank Act passes in its current form — some people need more of their cash insured. They can get it by putting funds under separate ownership registrations at one institution or spread their wealth among several banks. Or they

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Tags: CD, CD rates, CDARS, CDs
Tuesday, July 6, 2010 3:24 pm
By Sheyna Steiner · Bankrate.com

Allen Stanford was not the only person in history to think of scamming people using a CD as bait. Back in 2000 the National Association of Securities Dealers launched accusations of fraud at San Clemente Securities Inc. for selling “zero-coupon” CDs and failing to disclose fees and commissions as well as shady investment strategies and

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Tags: CD, CDs, Scams
Thursday, July 1, 2010 12:42 pm
By Sheyna Steiner · Bankrate.com

Let’s be honest, it’s easy to believe we can’t be scammed. But what if the fraudulent instrument is something as benign and unassuming as a CD? In February 2009, the SEC raided the offices of Allen Stanford and charged him with running an $8 billion investment fraud, according to an Associated Press story written at

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Wednesday, June 30, 2010 12:21 pm
By Sheyna Steiner · Bankrate.com

According to Market Rates Insight, a few states have experienced a rise in CD rates or no decrease in rates despite the downward drift nationally. According to the analysis, the states that experienced the greatest increase in CD rates over the first half of 2010 were Illinois, Louisiana and New York. States that have experienced

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Tags: CD rates, CDs
Thursday, June 24, 2010 3:43 pm
By Sheyna Steiner · Bankrate.com

CD rates fell again this week in the weekly interest rate survey. Though one-year CD rates did rally enough to muster up one basis point, maturities between two and five years fell. Not by much, five-year CD rates lost 3 basis points to 2.02 APY. With short-term interest rates set by the Fed as low

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Wednesday, June 23, 2010 9:03 am
By Sheyna Steiner · Bankrate.com

CD rates just hit a new low. The average one-year CD yield is now a record low of 0.69 percent APY, a dubious achievement to be sure. Bankrate began tracking CD rates in October of 1983 and it has never been lower. In these dark days of ultralow returns, you might run across CD rates

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Friday, June 18, 2010 12:07 pm
By Sheyna Steiner · Bankrate.com

A term that gets bandied about in conversations on everything financial, from investing to the broad economy — the yield curve. Not only is it a leading indicator of what’s going on in the economy but it’s pertinent to investing in CDs. The most common benchmarks when talking about “the” yield curve are U.S. Treasury

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Tags: CD, CDs, yield curve
Wednesday, June 16, 2010 11:03 am
By Sheyna Steiner · Bankrate.com

Ladders and barbells are CD investing strategies that set up multiple CDs to come due at different times. But for situations where you want all your money to come due at once, there’s another CD investing strategy: bullets. “It’s almost like dollar cost averaging,” says Robert Laura, partner at Synergos Financial, in Howell, Mich. “You

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Thursday, June 10, 2010 3:11 pm
By Sheyna Steiner · Bankrate.com

Ladders are one CD investing strategy to get higher than average CD rates, but there are other strategies for choosing maturities to populate your CD portfolio, for instance: barbells. Barbells are a CD investing strategy that focus exclusively on short- and long-term maturities. According to Donald Cummings Jr., managing partner at Blue Haven Capital, in Geneva, Ill.,

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