t*m
发帖数: 4414 | 1 这个CD 可以 break without penalty,
利息比 online saving 高点儿
是个短期放钱的好选项。 | p*****o
发帖数: 1285 | 2 I think the 5-yr CD is better. It has an early withdraw penalty in the
amount of 2 months' interest, but the current rate is twice as high as the
no-penalty CD. So it will break even with npCD in 4 months.
【在 t*m 的大作中提到】
: 这个CD 可以 break without penalty,
: 利息比 online saving 高点儿
: 是个短期放钱的好选项。
| t*m
发帖数: 4414 | 3 good point, if the time horizon is 4+ mo
by the way, is the CD-breaking penalty tax deductible?
【在 p*****o 的大作中提到】
: I think the 5-yr CD is better. It has an early withdraw penalty in the
: amount of 2 months' interest, but the current rate is twice as high as the
: no-penalty CD. So it will break even with npCD in 4 months.
| s********u
发帖数: 1054 | 4 The bank would only report the returns after the penalty as your interest
income.
【在 t*m 的大作中提到】
: good point, if the time horizon is 4+ mo
: by the way, is the CD-breaking penalty tax deductible?
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