Observations: Average Stock Market Return Since 19xx

As part of an overall savings plan, certificates of deposit CDs can be the foundation of a low-risk strategy to reach both long- and short-term goals. Simply put, CDs are savings products, not investments, although they can help you build your net worth. Sometimes people will refer to "CD returns" as a way to describe how interest works to help you grow your balance.

But no matter how you phrase it, it's important to understand what you're getting with a CD—an interest rate on your balance for a specific amount of time. Moreover, CDs at member-FDIC banks are insured by the Federal Deposit Insurance Corporation FDIC up to the maximum amount by law.

Stability and predictability can be compelling features of CDs. Moreover, you can choose from several different types with different term lengths to meet your savings goals. At Ally Bank, we offer three types of CDs: High Yield CD —A CD with our fixed rate for a fixed term.

No Penalty CD —A CD that allows you to withdraw all your money, including interest earned, without any penalty, any time after the first six days following the date you fund your account. Raise Your Rate CDs —With these CDs, you have the option of a one-time rate increase if our 2-Year CD rate goes up; you have the option to increase your rate twice two times if our 4-Year CD rate goes up.

Market-linked CD - Wikipedia

Ally Bank offers CD rates that are consistently among the most competitive in the country. You can open and fund your account with any amount. Plus, the Ally Ten Day Best Rate Guarantee gives you the best rate we offer for your CD during the first ten days starting with your open date if you fund your CD within that time.

See how Ally Bank CDs can fit into your savings goals. Learn more at Ally.

Options involve risk and are not suitable for all investors. Options investors may lose the entire amount of their investment in a relatively short period of time. Prior to buying or selling options, investors must read a copy of the Characteristics and Risks of Standardized Options brochure PDF , also known as the options disclosure document. It explains the characteristics and risks of exchange traded options. November Supplement PDF. You can also request a printed version by calling us at ALLY is a leading digital financial services company and a top 25 U.

Ally Bank, the company's direct banking subsidiary, offers an array of banking products and services. Deposit products "Bank Accounts" on Ally. In addition, mortgage products are offered by Ally Bank, Equal Housing Lender , NMLS ID Credit and collateral are subject to approval and additional terms and conditions apply.

Programs, rates and terms and conditions are subject to change at any time without notice. Securities products and services are offered through Ally Invest Securities LLC, member FINRA and SIPC.

View all Securities disclosures. Review the Characteristics and Risks of Standardized Options brochure before you begin trading options. Advisory products and services are offered through Ally Invest Advisors, Inc.

Brokerage accounts are serviced by Ally Invest Securities LLC and advisory client account assets are kept in custody with Apex Clearing Corporation, members FINRA and SIPC. View all Advisory disclosures. Foreign exchange Forex products and services are offered to self-directed investors through Ally Invest Forex LLC.

Your forex account is held and maintained at GAIN.

Ally Invest Forex LLC and Ally Financial Inc. View all Forex disclosures. Futures trading services are provided by Ally Invest Futures LLC member NFA.

Trading privileges are subject to review and approval. Not all clients will qualify. View all Futures disclosures. Forex, futures, options and other leveraged products involve significant risk of loss and may not be suitable for all investors.

Products that are traded on margin carry a risk that you may lose more than your initial deposit. Increasing leverage increases risk. Spot Gold and Silver contracts are not subject to regulation under the U. Forex and futures accounts are NOT PROTECTED by the Securities Investor Protection Corporation SIPC.

6 Reasons to Beware of Market-Linked CDs | Investopedia

September CD Rates vs. Stock Market Returns As part of an overall savings plan, certificates of deposit CDs can be the foundation of a low-risk strategy to reach both long- and short-term goals. Related Articles Certificates of Deposit CDs Savings Account: A Smart Way to Save Browse CD articles.

Learn About the Risks of Options Trading. November Supplement PDF You can also request a printed version by calling us at A few things you should know Ally Financial Inc. The Ally CashBack Credit Card is issued by TD Bank, N. View all Securities disclosures Options involve risk and are not suitable for all investors.

View all Advisory disclosures Foreign exchange Forex products and services are offered to self-directed investors through Ally Invest Forex LLC. View all Forex disclosures Futures trading services are provided by Ally Invest Futures LLC member NFA.

View all Futures disclosures Forex, futures, options and other leveraged products involve significant risk of loss and may not be suitable for all investors. Ally Bank Member FDIC.