What Is a Certificate of Deposit (CD)?
A Certificate of Deposit (CD) is a fixed-term investment where your money earns a guaranteed rate of interest for a set period. In exchange, you agree not to withdraw the funds before the term ends.
Why Invest in CDs with The Guardian Assets?
Types of CDs We Offer
How CDs Work
- You choose a term (e.g., 3, 6, 12, or 24 months)
- You lock in a rate that won’t change during the term
- You earn interest steadily, either monthly or at maturity
- You receive your full principal plus interest at the end of the term
Frequently Asked Questions
Is my money safe in a CD?
Yes. CDs are considered very low-risk. Your principal is preserved and your return is guaranteed, making them ideal for conservative investors.
Can I withdraw early?
You can, but early withdrawals may result in a penalty. That’s why it’s best to match your CD’s term with your financial timeline.
What’s the minimum investment for a CD?
Minimum investment amounts vary depending on the product. Our advisors can help you choose a CD that fits your budget and goals.
How are interest rates set?
Rates are fixed when you open the CD and are based on market conditions and term length. Longer terms generally offer higher rates.
Can I include CDs in my broader investment strategy?
Absolutely. CDs are a great way to balance higher-risk assets in your portfolio and secure a portion of your capital.
