"Maximizing CD Returns: Navigating Risks and Fed Rate Cuts"

While short-term CDs currently offer higher annual percentage yields (APY) than long-term CDs, there is a risk of reinvesting at lower yields upon maturity. Experts predict a drop in interest rates this year, prompting consideration of locking in a strong rate on longer-term CDs. However, the difference in yield may not significantly impact the interest earned for the average consumer. It's suggested to invest in both short-term and long-term CDs or set up a CD ladder, and to consider other factors like stability of the financial institution and overall portfolio risk when chasing the highest rates.