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Why Certificate Of Deposit Rates Give Better Roi Than Stocks
By D.S. Smith
Is it possible that stock returns are inferior to Certificate of Deposit rates? Let's find out. Abbreviated as CD, these certificates verify that you deposited a given amount for a given time in return for a guaranteed interest rate. Your C/D account offers steady no-risk returns in an insured account without rollover penalties.


Guaranteed Returns

In return for keeping your certificate in the bank for the specified period, the bank pays you a promised interest rate. This is your reward for letting the bank use that money in its operations. C/D rates are often much higher than standard savings and checking interest rates. Some banks may be willing to pay you up to 5% per year as long as you leave the money in their bank. There may be fees or penalties of the deposit is withdrawn prematurely, so leave it alone!

The maturity period might be 6, 12, 24, or more months. The longer you let the bank keep your certified deposit, the more interest you will likely earn.

You Won't Lose A Penny

The stock market is well-known for its volatility, with the Dow-Jones Industrial Average (DJIA) sometimes zooming up or down hundreds of points daily. Events such as recessions ...

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... can cause stock portfolios to lose 50% or more of their value! There is no such volatility with Certificates of Deposit, because you know up front how much you'll earn. Stock investing simply cannot provide the peace of mind offered by deposit certificates.

The Government Protects Your Money

All deposits in U.S. banks are guaranteed by the federal government up to a monetary limit by the Federal Deposit Insurance Corporation (FDIC). Bank failures no longer mean lost money - you get paid all you deposited, up to the FDIC limit. If you own stock in a company which fails, your stock becomes worthless and your money is lost.

No-Loss Rollovers

Another excellent advantage of these certificate deposits is that the money, plus the interest earned, can be rolled right back into another C/D account at the end of the term. The principal, plus the interest, of your original investment will now be earning for you. 401(k) & IRA roll-overs are subject to market whims, possibly losing money in the conversion.

CD's offer many benefits for the conservative, long-term investor. For these reasons, Certificate of Deposit rates offer safer and steadier gains than volatile stock investments.
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