Marcus has a 1-yr CD rate at 4.9% while Fidelity’s 3-mo CD has a rate at 5.35%. Is it worth to open a Fidelity account and move my Marcus to-be-mature money there?

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You don't need to open a new account to get competitive rates. Use your brokerage account to buy brokered CDs or treasuries. Treasuries are state tax exempt so I am partial to those.

You can also buy treasuries from Treasury Direct if you have an account there but it isn't as easy to liquidate them early if needed.

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New to investing…didn’t realize Schwab had same CDs and Treasuries offerings😬

These are not high return investment methods, you can try over-the-counter trading, maximise your principal, in a short period of time to buy up or buy down, the premise is that you have to learn to collect data, so that your trading can be guaranteed to be safe, and this is the T + 0 model, the transaction is completed, you can immediately withdraw the principal and interest to your bank account, I hope that we can understand each other and discuss each other on the investment of the views of my WS2564101259

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When do you need the money? The risk of the 3 month cd is that the rate may be lower in 3 months.

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Some of the broker CDs are callable. I still grabbed a 1 year at 5.5% and 2 year at 5.4%. Both are callable in 6 months but pay a bit more than what a six month CD pays and the highest non callable I saw for 1 year was 5% so I will take a chance. If it gets called in 6 months and I can get more than 4.5% I still come out ahead vs locking in 5% now for a year.

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