3 Reasons Not to Open a CD Right Now, Even With Rates at 4%

Key Points Declining interest rates will make CDs less attractive. Dividend stocks will become more appealing as CD rates decline. Investors might lock up too much cash to avoid early withdrawal penalties. 10 stocks we like better than Realty Income › Certificates of deposit (CDs) are a popular way to generate extra income with minimal risk. Investors simply agree to lock up their cash at a bank for a set amount of time, then receive interest payments at the agreed annual percentage yield (APY). ...