ekob711 t1_ja3pbc3 wrote on February 26, 2023 at 4:50 PM

With CDs at 4.8% that’s a lot safer than stocks right now. Stocks might end up more than 4.8% from here, at the end of 2023, but it is not likely.

AgathaMarple OP t1_ja3zege wrote on February 26, 2023 at 5:55 PM

I hear you. It's an option I'm considering at least in part. I've been with Vanguard for decades and loved them, but since Bogle died, it's not the same.

Cullen7777 t1_ja5ppoz wrote on February 27, 2023 at 1:04 AM

where is this 4.8 you speak of

ekob711 t1_ja5pttq wrote on February 27, 2023 at 1:05 AM

Fidelity has a 12 month ladder cd paying 4.88

Cullen7777 t1_ja5pvdm wrote on February 27, 2023 at 1:05 AM

thx

RetroIsBack t1_ja6c460 wrote on February 27, 2023 at 4:05 AM

and what is there fee

dilznoofus t1_ja64it5 wrote on February 27, 2023 at 3:01 AM

popular direct has savings rate at 4.40% for cash - I have an old capital one account I was about to close but they are doing an 11 month CD for 5% which is appealing. I've held off as I think rates will continue to go higher.

mind you we're all still just losing money vs. inflation but at least it's slightly less loss