Navigating CD Strategies for 2025: Expert Insights and Tips

Certificates of deposit (CDs) may still be a worthwhile investment in 2025 for those seeking low-risk options, despite potential declines in interest rates. Experts suggest that CDs can be beneficial for short to intermediate funds, especially if you lock in current rates before they fall further. However, with the possibility of lower rates upon renewal, investors should consider other low-risk alternatives like money market accounts or Treasury bills. Ultimately, the decision should align with one's risk tolerance and investment timeline.