Search found 8581 matches

by Kevin M
Wed Jul 19, 2017 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 1.25% 11 month with no EWP
Replies: 111
Views: 14153

Re: Ally Bank 1.25% 11 month with no EWP

Does anyone here who banks with Ally have first hand knowledge setting up a CD in the name of a living trust? Their page here (https://www.ally.com/learn/trust-account/) covers their procedure, but it would be nice to know if anyone has recently gone through this, and if it was straight forward? I ...
by Kevin M
Sun Jul 16, 2017 12:30 pm
Forum: Investing - Theory, News & General
Topic: Is the Total US Stock Market too concentrated?
Replies: 51
Views: 3676

Re: Is the Total US Stock Market too concentrated?

Yes, but I prefer to overweight the US stocks for many reasons brought forth by Jack Bogle. I just wanted to know if the diminishing number of stocks in the US is of any concern. No, the number of stocks in the total US stock market is way more than enough to diversify away company specific risk. A...
by Kevin M
Thu Jul 13, 2017 12:13 pm
Forum: Investing - Theory, News & General
Topic: Cash vs bond
Replies: 9
Views: 981

Re: Cash vs bond

Yield on Vanguard total bond index fund is 2.3%, and that comes with term risk (interest-rate risk) and some credit risk. So obviously "cash" at 4%, with no term risk and no credit risk would be a great deal. Most likely this is a stable value fund of some sort. There is some credit risk w...
by Kevin M
Thu Jul 13, 2017 10:59 am
Forum: Personal Finance (Not Investing)
Topic: portfolio growth - compounding vs savings
Replies: 15
Views: 1553

Re: portfolio growth - compounding vs savings

You can control savings rate; you can't control growth. Also, whatever has happened over the last n years isn't indicative of what will happen over the next n years. Your savings rate is great, and the most important thing for you is to keep that up. You could guesstimate a nominal growth rate--say ...
by Kevin M
Wed Jul 12, 2017 10:17 am
Forum: Investing - Theory, News & General
Topic: "Bond wipeout has just begun"???
Replies: 84
Views: 11347

Re: "Bond wipeout has just begun"???

In support of the last few posts (aside from the one about inflation and real returns), see this post: Initial SEC yield and subsequent 5yr and 10yr returns - Bogleheads.org from 2015. Although I verified the oft-quoted point that there is high correlation between initial yield and subsequent 10-yea...
by Kevin M
Tue Jul 11, 2017 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Approximating the Total Stock Market Index
Replies: 5
Views: 426

Re: Approximating the Total Stock Market Index

Would the percentages outlined the wiki change since the Small and Mid-Cap funds available are limited to "growth" index funds? I didn't notice the small cap fund was growth--I just went by your description rather than looking up the ticker. I don't think this should affect the percentage...
by Kevin M
Mon Jul 10, 2017 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Approximating the Total Stock Market Index
Replies: 5
Views: 426

Re: Approximating the Total Stock Market Index

I would go with VFIAX and VSGAX in an 85/15 or 80/20 ratio. You could add in a smidge of VMGMX, but this will tilt you slightly toward growth (away from value), and the amount you'd use would be too tiny to be worthwhile. See this Wiki article: Approximating total stock market - Bogleheads . I would...
by Kevin M
Mon Jul 10, 2017 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Capital Gains when selling a rental
Replies: 4
Views: 396

Re: Capital Gains when selling a rental

I believe a careful reading of IRS Publication 523 (2016), Selling Your Home will answer your questions. Roughly speaking, I believe that if you lived in your home for 2 out of 5 years of ownership, you will be able to exclude 2/5 of the gain, but you also will not be able to exclude the gain due to...
by Kevin M
Mon Jul 10, 2017 8:46 am
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)
Replies: 131
Views: 15049

Re: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)

<snip>What happened there and why? Seems remarkable to me. I think this has been explained already. Money market rates are closely tied to the federal funds rate (FFR), as are the rates of other very short-term, marketable fixed-income (such as short-term Treasuries). When the Fed lowered the FFR c...
by Kevin M
Sun Jul 09, 2017 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: Expected rate of return
Replies: 11
Views: 790

Re: Expected rate of return

You might find this informative: Vanguard 2017 economic and market outlook: Stabilization, not stagnation . Just jump to page 20 for the stock and bond 10-year outlooks. Note the wide probability distributions. The central tendency for stocks is 5-8% nominal, so your number is at the low end of that...
by Kevin M
Sun Jul 09, 2017 2:59 pm
Forum: Investing - Theory, News & General
Topic: "Bond wipeout has just begun"???
Replies: 84
Views: 11347

Re: "Bond wipeout has just begun"???

Of course, this doesn't guarantee that a bond fund will recover quickly, which brings me to y-our second point - look at how Vanguard's total bond fund performs over time in terms of both NAV/price and rate. The rate of BND tends to adjust rather quickly to a changing rate environment, and the NAV ...
by Kevin M
Sun Jul 09, 2017 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Paying off 0% auto loan over time with bond fund and duration?
Replies: 11
Views: 721

Re: Paying off 0% auto loan over time with bond fund and duration?

An assumption posited by forum member grabiner is that tax-exempt bonds are priced to be competitive with taxable bonds in the 25% federal tax bracket. I think this is a reasonable assumption, and it leads to the conclusion that taxable and tax-exempt bonds are a wash on a risk-adjusted basis in the...
by Kevin M
Sun Jul 09, 2017 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: How best to invest 10 years of expenses in Fixed Income
Replies: 27
Views: 2339

Re: How best to invest 10 years of expenses in Fixed Income

Suggestions for the best way to invest this money in a rising interest rate environment? Is it that you want to hedge against the possibility of a rising rate environment, or that you just assume that we're in one? Many people have been assuming rates would rise for the last 5-9 years, but if anyth...
by Kevin M
Sun Jul 09, 2017 11:41 am
Forum: Investing - Help with Personal Investments
Topic: How best to invest 10 years of expenses in Fixed Income
Replies: 27
Views: 2339

Re: How best to invest 10 years of expenses in Fixed Income

The reason to keep several years flexible is with rising rates you don't want to tie everything up in CDs at current rates if rates are likely to rise. The advantage of direct CDs with low early withdrawal penalties (EWPs), say six months of interest, is that you are significantly hedged against lo...
by Kevin M
Tue Jul 04, 2017 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: "CD ladder" seems to make no sense
Replies: 55
Views: 10611

Re: "CD ladder" seems to make no sense

So now that we're in a rising rate environment (at least a tad...), are people still following this "break" strategy? Interestingly, we're not really in a rising rate environment when it comes to the best 5-year or longer maturity CDs. The last CD I bought was a 5-year at 2.77% with an EW...
by Kevin M
Tue Jul 04, 2017 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: My 72 year old father is looking for advice on where to park ~$300K
Replies: 22
Views: 3332

Re: My 72 year old father is looking for advice on where to park ~$300K

hey kevin, checking in again as he's ready to go for the CD. using the site you reference, the best i find is MACU CD at 2.5% which doesn't seem amazing for being the best available (he lives in NJ btw). can you confirm this is the best he will do? thanks. Yes, this is the highest yield I see for a...
by Kevin M
Fri Jun 30, 2017 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - deposit limit exceeded by home closing check
Replies: 24
Views: 2407

Re: Ally Bank - deposit limit exceeded by home closing check

Ally also doesn't have safe deposit boxes, so have a local bank is required for certain things. As mentioned above, it's also useful if your local bank or credit union does signature guarantees. I would wire proceeds from a house sale, and wire proceeds for a house purchase (did that recently using ...
by Kevin M
Fri Jun 30, 2017 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Best method to move ROTH from Janus Henderson to vanguard?
Replies: 9
Views: 602

Re: Best method to move ROTH from Janus Henderson to vanguard?

Not so fast! At the end I still needed to print the form and get a "medallion signature." Also, I need to include a statement from the Janus dated within the last 90 days. I don't get paper any more and the last statement on the website was 3/31. That gets me within 90 days (just barely b...
by Kevin M
Thu Jun 29, 2017 12:22 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 108
Views: 11386

Re: Vanguard has switched to brokerage only accounts

I do not have a taxable account with Vanguard. I do have a Roth IRA and a Rollover IRA (from a previous employers 401 plan). I only have Vanguard mutual funds in those two accounts. I don't foresee a need to buy ETFs, individual stocks, bonds or CDs. Am I a person who should decline the invitation,...
by Kevin M
Thu Jun 29, 2017 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: A TIPS is maturing in Fidelity. What to do?
Replies: 44
Views: 2331

Re: A TIPS is maturing in Fidelity. What to do?

Let me be clear what I think. If one has a fixed need for cash, then holding CDs with maturities up to that date works-- your portfolio is immunized. Yes, if you have a known nominal liability, then a CD or Treasury with a maturity matching the liability is a risk-free asset. Unless there are other...
by Kevin M
Wed Jun 28, 2017 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: A TIPS is maturing in Fidelity. What to do?
Replies: 44
Views: 2331

Re: A TIPS is maturing in Fidelity. What to do?

Valuethinker, you said "CDs are not appropriate ...". I'm saying that you can use CDs to get similar term risk and reinvestment risk as an intermediate-term bond fund, if that's what you want. With direct CDs you actually have less term risk because of the early withdrawal option, and as I...
by Kevin M
Wed Jun 28, 2017 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Best method to move ROTH from Janus Henderson to vanguard?
Replies: 9
Views: 602

Re: Best method to move ROTH from Janus Henderson to vanguard?

The Vanguard trustee-to-trustee transfer form is available online. There's really no need to talk to anyone at Vanguard, but if you haven't done this before, it won't hurt. They may partially fill out the form for you, or perhaps walk you through it. Either way, you must fill out the form, sign it, ...
by Kevin M
Wed Jun 28, 2017 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: A TIPS is maturing in Fidelity. What to do?
Replies: 44
Views: 2331

Re: A TIPS is maturing in Fidelity. What to do?

- CDs are not appropriate because they term of your investment is less than your timing of need for the cash, thus you will have significant reinvestment risk, if rates are lower still when you come to renew Poppycock! Any intermediate-term bond or bond fund has both term risk and reinvestment risk...
by Kevin M
Mon Jun 26, 2017 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: A TIPS is maturing in Fidelity. What to do?
Replies: 44
Views: 2331

Re: A TIPS is maturing in Fidelity. What to do?

Putting the money into a short-term TIPS fund (VTAPX) would buy me some time. I wouldn't consider this fund to be a safe place to park money short term, if by safe we mean can't lose value (whether in real or nominal terms). The maximum drawdown for this fund was 3.33%; it began in April 2013 and a...
by Kevin M
Mon Jun 26, 2017 11:42 am
Forum: Personal Finance (Not Investing)
Topic: A TIPS is maturing in Fidelity. What to do?
Replies: 44
Views: 2331

Re: A TIPS is maturing in Fidelity. What to do?

Do you think buying an IRA CD is a better move in today's environment of low, but rising, interest rates? NASA Federal Credit Union offers the best CD rates today. Ally does not offer 11-month no-penalty CDs in IRA ; otherwise it would have been a good temporary solution. Clearly that's my preferen...
by Kevin M
Mon Jun 26, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: A TIPS is maturing in Fidelity. What to do?
Replies: 44
Views: 2331

Re: A TIPS is maturing in Fidelity. What to do?

By the way, the rate increase will definitely affect normal bonds; I am not sure that TIPS will be similarly affected. TIPS prices are linked to TIPS (real) yields. You can view TIPS yields here: Daily Treasury Real Yield Curve Rates . You can get more detailed TIPS quotes from the WSJ site, but th...
by Kevin M
Mon Jun 26, 2017 11:09 am
Forum: Personal Finance (Not Investing)
Topic: A TIPS is maturing in Fidelity. What to do?
Replies: 44
Views: 2331

Re: A TIPS is maturing in Fidelity. What to do?

After buying great TIPS in 2007-2009, I am reluctant to get TIPS at the current rates. This is irrational, but it is what it is. If you buy a TIPS fund you are buying TIPS at current rates. The difference would be that you are buying multiple TIPS with different maturities and yields, and the fund ...
by Kevin M
Mon Jun 26, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Online Savings vs No Penalty CD
Replies: 22
Views: 2525

Re: Online Savings vs No Penalty CD

It's a certificate of deposit and there is a contract/T&C attached to that. Yes, and one of the terms is that you can withdraw your principal and accrued interest, penalty free, at any time after six days of opening. Do you have full liquidity and how soon can you get the money? Yes. Six days a...
by Kevin M
Sun Jun 25, 2017 8:44 pm
Forum: Investing - Theory, News & General
Topic: BIV Question
Replies: 7
Views: 616

Re: BIV Question

You can also see this by looking at the distribution by maturity in the Portfolio & Management tab, which shows that 96.7% of the bonds are in the 5-10 year range.

Kevin
by Kevin M
Sun Jun 25, 2017 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: listing beneficiary on Ally application for CD
Replies: 5
Views: 545

Re: listing beneficiary on Ally application for CD

As soon as you complete the account application a button appears that says "Add beneficiary". It is unlikely anyone would die before typing in the name. Yes, but ... Call me old-fashioned: I do not do any online banking. Solution: stop being old-fashioned, and start doing online banking. ...
by Kevin M
Sun Jun 25, 2017 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Credit cards' credit lines - pros/cons of requesting reduction?
Replies: 36
Views: 2764

Re: Credit cards' credit lines - pros/cons of requesting reduction?

Credit utilization is indeed a factor, though probably more for cards that you use often. Both my cards have zero balances right now. The overall utilization that CK highlights is across all cards. For one of my cards it's over 20%, but for most, that I rarely if ever use, it's 0%. The overall scor...
by Kevin M
Sun Jun 25, 2017 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio critique, bond options for taxable at Schwab, in CA?
Replies: 13
Views: 1143

Re: Portfolio critique, bond options for taxable at Schwab, in CA?

With accounts already at Vanguard, why taxable at Schwab? Vanguard has the broadest lineup of low-cost bond mutual funds, which is one reason I prefer them over Schwab or Fidelity, although I used to have accounts at the former and still have accounts at the latter (but much, much more at VG). I am ...
by Kevin M
Sun Jun 25, 2017 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Credit cards' credit lines - pros/cons of requesting reduction?
Replies: 36
Views: 2764

Re: Credit cards' credit lines - pros/cons of requesting reduction?

According to Credit Karma, utilization is a high-impact metric. Utilization is the sum of your outstanding balances divided by the sum of your credit limits. Of course a lower number is better. My utilization is about 4%--roughly $8K / $189K as of now. I believe 0-9% is considered excellent. Obvious...
by Kevin M
Sun Jun 25, 2017 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Online Savings vs No Penalty CD
Replies: 22
Views: 2525

Re: Online Savings vs No Penalty CD

There is inconsistent language in the Ally deposit agreement. In B.2.f we see: . Except for the Ally No Penalty CD, a withdrawal of the entire principal before maturity will be permitted only with Ally’s consent and an interest penalty that is described in More About Certificates of Deposit and IRA...
by Kevin M
Sun Jun 25, 2017 3:59 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Intermediate Term Treasury (VFITX) - Actively Managed
Replies: 44
Views: 2855

Re: Vanguard Intermediate Term Treasury (VFITX) - Actively Managed

Since this thread had not seen fit to die yet ... It depends what you mean by "has just not come home to roost". If you mean that we haven't seen a negative nominal return for intermediate-term Treasuries for the 9-year period, then sure, but that's not unusual. Since this is the only part...
by Kevin M
Sun Jun 25, 2017 2:19 pm
Forum: Investing - Theory, News & General
Topic: Why bonds when one's investment horizon is long?
Replies: 59
Views: 4257

Re: Why bonds when one's investment horizon is long?

Note that in the PV chart linked above I included the long-term Treasury asset class, for which the annualized return was 9.85% with growth factor of 26.75, so much lower than what I've calculated for 30-year Treasuries. PV uses 30-year Treasury yields for 1978-1986, but uses the Vanguard long-term...
by Kevin M
Sun Jun 25, 2017 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Online Savings vs No Penalty CD
Replies: 22
Views: 2525

Re: Online Savings vs No Penalty CD

There is inconsistent language in the Ally deposit agreement. In B.2.f we see: . Except for the Ally No Penalty CD, a withdrawal of the entire principal before maturity will be permitted only with Ally’s consent and an interest penalty that is described in More About Certificates of Deposit and IRA ...
by Kevin M
Sun Jun 25, 2017 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Ally no penalty 11 month CD rate increased to 1.50% this morning
Replies: 68
Views: 8331

Re: Ally no penalty 11 month CD rate increased to 1.50% this morning

Kevin...........sounds like you have the interest thing nailed down to the penny so I'll ask you this..........I funded 2 of these CDs from savings. I got a confirming statement in mail giving CD # and amount. However in both cases, the date on the confirmation was 1 day later than the date the fun...
by Kevin M
Sun Jun 25, 2017 12:54 pm
Forum: Investing - Theory, News & General
Topic: Why bonds when one's investment horizon is long?
Replies: 59
Views: 4257

Re: Why bonds when one's investment horizon is long?

Cap gains is one reason. I believe 30-yr Treasuries have out-performed S&P 500 by 5.5x since 1980. <snip> TBillT, cam you please explain/show your calculations for Tbills outperforming S&P 500? If you know me, I am quoting preeminent American economist A. Gary Shilling. https://seekingalpha...
by Kevin M
Sun Jun 25, 2017 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Ally no penalty 11 month CD rate increased to 1.50% this morning
Replies: 68
Views: 8331

Re: Ally no penalty 11 month CD rate increased to 1.50% this morning

Title says it all... Edit - Applies to CD's with minimum opening balance of $25,000. Hard pull or softpull? I already have their savings (which was softpull) and I know to open a checking its a hardpull... In addition to opening these CDs recently, I opened another checking and savings account late...
by Kevin M
Sun Jun 25, 2017 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Ally no penalty 11 month CD rate increased to 1.50% this morning
Replies: 68
Views: 8331

Re: Ally no penalty 11 month CD rate increased to 1.50% this morning

⋅ Opened a no-pentalty CD @1.35% on 6/15. <snip> ⋅ Checked on 6/25 and CD rate has been upgraded. Same here. And I verified that the accrued interest reflects the higher rate: 25000 * ((1 + 0.0149/365)^10 - 1 ) = 10.21 Ally shows $10.20, so close enough. Note that this is 10 day...
by Kevin M
Sat Jun 24, 2017 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Online Savings vs No Penalty CD
Replies: 22
Views: 2525

Re: Online Savings vs No Penalty CD

Is there much of a difference otherwise? Any major reason to choose one over the other outside of which has the higher APY? I posted these differences in another one of the Ally threads in which this is being discussed ( Ally Bank 1.25% 11 month with no EWP - Page 2 - Bogleheads.org : There are man...
by Kevin M
Sat Jun 24, 2017 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Survivorship bias and Portfolio Visualizer
Replies: 26
Views: 2079

Re: Survivorship bias and Portfolio Visualizer

I suggested to my coworker that if I did one third in large caps, one third in mid caps and one third in small caps I could diversify even further than just having large caps. At around that time I'd read about Portfolio Visualizer on this forum. I found that my "one third of each" portfo...
by Kevin M
Fri Jun 23, 2017 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Survivorship bias and Portfolio Visualizer
Replies: 26
Views: 2079

Re: Survivorship bias and Portfolio Visualizer

Survivorship bias for mutual funds relates to mutual funds simply not including their closed funds in the return numbers they report. The analogy for the CRSP stock database would be for CRSP to remove the stock returns of a failed company from historical results. I interpreted OP's question, "...
by Kevin M
Fri Jun 23, 2017 3:57 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Intermediate Term Treasury (VFITX) - Actively Managed
Replies: 44
Views: 2855

Re: Vanguard Intermediate Term Treasury (VFITX) - Actively Managed

I don't see evidence that term risk for bonds, or how to measure it, has fundamentally changed since Lehman. Of course longer duration should be reflected in higher values of risk measures, and if that doesn't seem to be the case, I guess we have to look a little more deeply as to what's going on. ...
by Kevin M
Fri Jun 23, 2017 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 1.25% 11 month with no EWP
Replies: 111
Views: 14153

Re: Ally Bank 1.25% 11 month with no EWP

What is the advantage of opening 3 seperate $25k CDs instead of a single $75k CD? You can't do partial withdrawals from Ally CDs, so this gives you flexibility to do an early withdrawal of $25K, but keep $50K earning 1.50%. Kevin EDIT: Oops, saw the question on page 2 and didn't notice this thread ...
by Kevin M
Fri Jun 23, 2017 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Survivorship bias and Portfolio Visualizer
Replies: 26
Views: 2079

Re: Survivorship bias and Portfolio Visualizer

Let's take the example of the mid-cap blend asset class and others that use Ken French's data for the period from 1972 to inception of the Vanguard fund. Actually, in the Simba spreadsheet, we use returns derived from Ken French's data from 1972 to 1978, as index returns are available after that (a...
by Kevin M
Wed Jun 21, 2017 7:39 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Intermediate Term Treasury (VFITX) - Actively Managed
Replies: 44
Views: 2855

Re: Vanguard Intermediate Term Treasury (VFITX) - Actively Managed

Term risk should show up in the variance, and hence in the Sharpe ratio, which is a standard measure of risk-adjusted return. Normally yes. But the bond market has not been normal since Lehman thus unfortunately, making risk measures like standard deviation somewhat suspect if we are only looking a...
by Kevin M
Wed Jun 21, 2017 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Ally no penalty 11 month CD rate increased to 1.50% this morning
Replies: 68
Views: 8331

Re: Ally no penalty 11 month CD rate increased to 1.50% this morning

Contrary to what the online chat rep told me, others said they were told that the higher rate (from the 10-day rate guarantee) does not show up until day 11. I just checked my account, and the CD opened on June 15 is still showing 1.35%, so the others appear to be right about this. Kevin Same here....
by Kevin M
Wed Jun 21, 2017 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Ally no penalty 11 month CD rate increased to 1.50% this morning
Replies: 68
Views: 8331

Re: Ally no penalty 11 month CD rate increased to 1.50% this morning

what you folks doing about the interest pay it monthly, Quarterly or yearly and also depositing in external or into the same CD account. Is the interest compounded? It compounds daily, but if you have the interest paid by check or to another account, you won't get any compound interest on the inter...

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