Investing Blog

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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Tuesday, June 8, 2010 5:00 pm
By Sheyna Steiner · Bankrate.com

In less punishing interest rate environments, CD ladders can be a great way to get higher yields on average as well as consistent and predictable income. “The farther you out go (in maturity), the higher yield you get, so you get a higher average yield by layering out CDs in say three-, four- and five-year

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Tags: CD, CD ladder, CDs
Thursday, June 3, 2010 5:18 pm
By Sheyna Steiner · Bankrate.com

I was reading an article on the FDIC website the other day. It’s called “Certificates of Deposit: Tips for Savers.” Interestingly, according to the FDIC, many investors neglect to find out the exact maturity of their CD and are then unpleasantly surprised to find out that it’s much longer than they had thought. In the

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Tags: CD, CDs, maturity, yield
Thursday, June 3, 2010 3:24 pm
By Lisa Weinberger · Bankrate.com

Due to low CD rates across the country, many investors have turned to other fixed-income investments. But if you’re shopping for CD rates in New York City, NY, our research can help. They may not currently be posting very investment-worthy yields, but CDs are still safe investments – they are insured by the FDIC up

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Tuesday, June 1, 2010 5:06 pm
By Sheyna Steiner · Bankrate.com

Early withdrawal penalties on CDs can be onerous, not only can they wipe out all of your interest but they can even reach into the investment principal, which clearly works against all the logic of CD investing. Nonetheless, some investors like to game the system and buy a longer-term CD for the higher yield and

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Friday, May 28, 2010 3:13 pm
By Lisa Weinberger · Bankrate.com

Every week Bankrate collects data on CD rates. I will be bringing this data to you daily in a fun, friendly and sometimes humorous manner about the locale of the geographic area. Here is your first taste of my world of CD rates. Enjoy your holiday weekend with friends and family sitting around the pool

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Thursday, May 27, 2010 2:23 pm
By Sheyna Steiner · Bankrate.com

What if you could buy a product that offered you the upside of the stock market with no risk to your principal? Sounds great, who wouldn’t buy that investment? Possibly someone who reads the fine print. Indexed CDs start with the structure of a CD but the return is tied to an index such as

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Wednesday, May 26, 2010 12:00 am
By Sheyna Steiner · Bankrate.com

It’s an interesting time for market watchers, at least for those of us with no dog in the fight. (What a terrible figure of speech.) Treasury prices swelled last week as investors sought safety from economic and political turmoil across the globe. The trend continued into this week, an Associated Press story reported Tuesday that

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