Certificate of deposit

We also have voice bank questions.

One is on maturing CDs as well as Alphabet, Google, G-O-O-G.

And then we'll

answer questions that came in via the InvestTalk YouTube channel as well.

Depending on which account you're pulling from, what investments you're selling, you could be looking at income taxes or capital gains taxes.

If you have assets that have appreciated as much where you're just earning interest, this is like CDs, bonds, your fixed income portfolio, that's a good place to draw from first.

If you can stomach the capital gains taxes or the income taxes, it might make sense to pull from other areas as well.

The downsides to this are many.

What's your

question? I've got some short-term CDs.

I'm 70 years old, so I don't want to tie up anything for too long.

I've got some short-term CDs, which are a fairly good interest rate now, but they can go down.

Okay.

And they, you know, they're like nine months, so I've got a couple of them out.

You know, I'm a big believer in keeping things simple.

Sometimes savings bonds, now you've got to be probably buying those through the U.S. government savings bond website.

Up to 44.5% return on a market-linked CD from JP Morgan? Hello everyone and welcome back to Markets with Marcus.

So, these structured investments, certificates of deposit or CDs, from JP Morgan caught the eye of some members of our community.

I liked the combination of the safety of CDs, FDIC insurance and full downside protection with the exposure to any appreciation of the S&P 500 index over the term of the CDs up to a maximum return of at least 44.5% at maturity.

And, even better, the offering is easy to find on some online brokerages, including at Fidelity, where, at the time of this taping, it is listed as available for order until October 27th, 2026, on the new issue screen, complete with a buy button, which appears to make the purchasing process easy.

Sounds almost too good to be true, right? Even if it's being issued by such a respected name as JP Morgan.

So, given that there are no free launches in finance, here are the three topics that we'll be covering today.

1.

What are market-linked CDs? And how do they work? In this section, we'll also discuss the similarities and differences between market-linked CDs versus fixed indexed annuity spheres and structured protection ETFs.

Not everyone does this, but you can open them up.

I know in my bank you can do three-month CDs, six-month, 10-month, or 12-months, and you can choose how long it is.

And basically it's money that you put into those accounts and it locks it.

and you earn higher interest on the account.

Yes.

They're all in CDs.

Okay.

Yeah.

But again, if you can sit around.

in the two year and collect 5% or that's not a bad place for part of your money or 5% CDs or whatever.

There are opportunities out there.

There's things yielding more than that.