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Piyush Shukla
Should certificates of deposit (CDs) be part of your retirement savings plan? Pros and cons from an expert
Should Certificates of Deposit (CDs) be part of your retirement savings plan? With top CD rates still near 4%–5% in 2025, experts say CDs offer rare guaranteed income and principal protection. They won’t beat stocks long term, but for retirees seeking stability, predictable returns, and lower risk, CDs can play a smart supporting role.
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