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Market Linked CD

    Home FDIC insured CDs CD rates Market Linked CD
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    Market Linked CD

    By Ed Crowe | CD rates, Retirement Income | 0 comment | 23 July, 2012 | 0

    CD rates are currently at an all time low.   The average 5 year CD rate in Connecticut is 1.08%.    (To see local rates, Bankrate.com is a good site to use  CLICK FOR BANK RATE SITE )  Locking money up for 5 years at a rate below 2% is almost a guarantee that you will not keep up with inflation which is averaging over 3% per year.

    Clients that like the idea of using CD and feel safe being backed by FDIC insurance, should consider using market linked CD’s.  Market CD’s work much like a normal CD.  They have a set term such as 3, 5 or 7 years and they are FDIC backed.  The difference is in how they credit interest.   The Market link CD will credit anywhere from 1% to 8% depending on market conditions.  In a poor performing market, the CD will never yield less than 1% but in a stronger performing market, the investor can make as much as 8%.

    The CD uses a simple formula to determine annual interest.  They use a grouping of 8 stocks.  Any stock that ends the year the same or at any type of increase credits 1% to the account.  If 5 stocks are flat or up to any extent, the investor will get a 5% interest credited.  If all 8 are flat or up, they will get 8%.  Conversely, if all the stocks are down they will only be credited the base 1% for the year.

    At the end of the term, the purchaser can take their money without any penalty.  This is a good option for those that are adverse to risk.  Using market linked CD’s will at least give them a chance to out pace inflation vs. a fixed CD at 1.5% which is essentially guaranteeing an annual loss vs. inflation.

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