Why You Should Include CDs in a Diversified Savings Plan

Saving money can be challenging when you are just starting your career. Even with the cost of rent, groceries, entertainment, and even student loans, your 20s are the best time to start making good financial decisions. You have maximum earning power and fewer financial obligations in your 20s and 30s, which makes it the perfect time to start saving for the future.

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How Do You Include Certificates of Deposit in Your Savings Plan?


Most people think having a savings plan is putting money aside for an emergency or a rainy day. Having an effective savings strategy is more complicated than that. You should use different saving vehicles to protect your money and earn maximum returns, including certificates of deposit (CDs). It pays to have a diversified savings plan.

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Is a Savings Account Worth It? A Beginner’s Guide to Savings

Everyone should learn how to start saving their money at an early age. They also need to understand the right way to save. There are many types of savings tools and financial products that can help your money grow. Most people start with an old-fashioned savings account. However, with the variety of interest-bearing accounts and investments available, is a savings account worth it?

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How Do Certificates of Deposit Work, and What Are the Benefits of Getting One?

There are many ways to put your money to work. You want to find a secure place to save your money that will yield maximum returns. While most depositors use savings accounts to stash their cash, putting your money in a certificate of deposit (CD) gives a higher return in exchange for locking their money away. Savers want a financial strategy that yields maximum return with minimum risk. That’s why more savers are purchasing CDs (also called “share certificates” at credit unions). 

Read on to learn what CDs are and get answers to questions such as how do certificates of deposit work, and what are their advantages?

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Pros and Cons of Certificates of Deposits (CDs)

Making the right investment move to meet your financial goals and suit your budget can be tricky—and frustrating. Many people just dump any extra cash into a savings or money market account. That’s a safe strategy, but the interest rates are very low. There are smarter ways to put your savings aside and yield a better return without risk.

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