When are CDs a good choice for your investment portfolio? This question is asked by many and the answer really is dependent on your individual situation.

Although CDs won’t return large profits in today’s current market, 他们是一个非常稳定的选择，你可以指望. If you look at CDs as more of a “high-yield time deposit” then you can start to see where they could play a role in your portfolio.

什么时候cd在你的投资组合中是好的?

1. 你想要安全

If you want a safe and secure place to store cash, CDs are the place to be. Backed by the government and federally insured (up to $250,000) you will not lose face value of your investment while earning a higher rate of return than most savings and money market accounts. 但, 当然, 存单意味着要持有一段指定的时间, 所以你的现金流动性不如储蓄账户.

2. 你厌恶风险

During your working years when you are trying to really grow your investments using a well-rounded investment strategy that includes stock funds and some bonds funds, 对cd的依赖可能并不理想. 然而, in your retirement years you may become less and less adverse to risk, CDs will allow you to keep up with or slightly ahead of inflation. Unlike mutual funds, bonds, and the stock market you could experience fluctuations in the market. 由于上面提到的政府保险, 当你投资cd时(最高250美元),000) you won’t lose the face value of your initial investment.
 
If you consider yourself risk adverse and like the idea of storing your cash in CDs, then using the CD laddering approach is a great way to structure your hard-earned dollars and keep it somewhat liquid.
 
Laddering means taking out several CDs at different length terms, 当每张存单到期时, you can choose to move your money into a liquid account or roll it into another CD.

考虑这个投资1万美元的例子:

• 一年期定期存单= 2000美元

• 2年期定期存款= 2000美元

• 3年期定期存款= 2000美元

• 4年期定期存单= 2000美元

• 5年期定期存款= 2000美元

When your 1-Year CD matures, you can take that amount and cash out or roll it into a 5-Year CD. 第二年, 当你的2年期定期存款到期时, you can cash out or roll that amount into another 5-Year CD, 等等......, resulting in more liquidity than purchasing just one 5-year CD for $10,000.

3. 你想保存你的资本

一个常见的投资策略是保本. 你工作很努力, 保存, and grew your money during your working years and now is the time to preserve it and make sure you don’t outlive your money. CDs are one way to help preserve your investment for the reasons mentioned above.

cd在你的退休投资组合中的作用

If you’re looking to diversify your portfolio with a cash investment, 尤其是当你可以买cd的时候 利率有利, then your interest can provide income during retirement. CDs are most useful once you’ve stopped producing income and are used during the distribution phase of your retirement.