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Author Topic: 长期存款证概述  (Read 56 times)

更利

  • Guest
on: November 12, 2023, 08:33:21 AM
长期存款证概述

概述:存款证 (CD) 由银行发行,通常提供比储蓄账户更高的利率。 当利率预计下降时,长期存款证可能是更好的选择,让您能够在多年内继续以更高的利率赚钱。

对谁有好处? 由于其安全性和高额支出,CD对于不需要立即收入并可以将钱存放一段时间的退休人员来说是一个不错的选择。

CD 非常适合规避风险的投资者,尤其是那些在特定时间需要资金并且可以冻结现金以获得比储蓄账户更高一点回报的投资者。

风险:CD被认为是一种安全的投资。 然而,它们具有再投资风险。 也就是说,风险在于,当利率下降时,正如我们在 2020 年和 2021 年看到的那样,投资者以较低的利率将本金和利息再投资于新 CD 时,会看到回报减少。

另一方面的风险是利率上升,投资者将无法利用,因为他们已经将资金存放在定期存款中。 然而,由于利率预计将在 2024 年下降,为到期 CD 提供资金可能是有意义的,这样您就可以在 CD 的生命周期内获得更高的回报。

值得注意的是,通货膨胀和税收会显着降低您的投资的购买力。

补偿:通过 CD,您的金融机构会定期向您支付利息。 一旦到期,您将收回原始本金和应计利息。

购买地点:Bankrate 的最佳 CD 利率列表将帮助您找到全国范围内的最佳利率,而不是仅依赖您所在地区的利率。

另外,许多实体银行和信用合作社都提供 CD,但您不太可能在当地找到最优惠的价格。



 

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