Bank CDs not only provide the guarantee of principal when held in an FDIC insured financial institution, but they are also very easy to manage.  When you invest in a CD you know when the term or the maturity is and therefore know exactly when all of your funds become available.  CD rates also provide the certainty of knowing what the interest rate and rate of return you will receive is during that time period. Compared to many investments, bank CDs are secure and easy to understand.

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