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When Bank CDs Make Sense

Bank CDs are the safest places to keep retirement money. They have been mainstay for many retirement-minded Americans because of the safety, ease of understanding and flexibility of maturities. Unfortunately, most people would do better by keeping part of their retirement money in bank CDs rather than all of it. There are other equally-safe places that provide the same or better interest rates, allow you to defer current income taxes until the earnings are withdrawn and provide some liquidity in case of an emergency.

Bank CDs are not always the right choice for the retirement money that will be used three to five years or more from now. That's because with Bank CDs you pay income taxes on earnings even if you don't withdraw them and these earnings can raise taxes on your Social Security benefits. The money earmarked for later in retirement might be better placed in other safe money alternatives.

"When Bank CDs Make Sense" is a commonsense approach to the use of bank CDs. You'll learn how to get the best rates, how much of your money should be in CDs, the difference in buying from your bank or your broker and lots of other good information that you'll not find anyplace else. So, if your retirement money is mostly in CDs, you'll want to review "When Bank CDs Make Sense" to improve your financial well-being in retirement.

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