Forget CDs: This Move Could Double Your Money Faster

Motley Fool

Oct 06, 2025

Image source: Getty ImagesThe Fed cut rates on Sept. 17, and Wall Street is already betting more cuts are coming. That's bad news if you've been thinking about locking up cash in a certificate of ...

Source Link

Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.

Most Discussed

{"basename":"","ssrTDKData":{"titleTemplate":"%s - Tiger Brokers","title":"Tiger Brokers | Global Stocks, Options & Futures Trading App","description":"Tiger Brokers, one-stop investment in US stocks, SGX stocks, HK stocks, A-shares & other global assets. One of the best stock trading platforms in Singapore.","keywords":"tiger brokers,tiger trade,tiger brokers singapore,broker online,stock trading in singapore,share trading singapore,brokerage firm singapore,trading app,stock broker singapore,stock trading platforms,trading account","social":{"ogDescription":"Tiger Brokers, one-stop investment in US stocks, SGX stocks, HK stocks, A-shares & other global assets. One of the best stock trading platforms in Singapore.","ogImage":"https://c1.itigergrowtha.com/portal5/static/media/og-logo.be62fbe1.png","ogUrl":"https://www.itiger.com/news/2573467914"},"companyName":"Tiger Brokers"},"pageData":{"isMobile":false,"isTiger":false,"isTTM":true,"region":"SGP","license":"TBSG","edition":"fundamental"},"isCrawlerRequest":true,"__swrFallback__":{"@#url:\"https://stock-news.skytigris.cn/v3/news\",params:#id:\"2573467914\",edition:\"fundamental\",auth_exemption:1,,,undefined,":{"share":"https://ttm.financial/m/news/2573467914?lang=en_US&edition=fundamental","thumbnail":"https://g.foolcdn.com/image/?url=https%3A%2F%2Fm.foolcdn.com%2Fmedia%2Faffiliates%2Fimages%2FWoman_following_upward_trending_line_on_graph.width-1200_iIWkZbZ.jpg&op=resize&w=165&h=104","is_english":true,"pubTime":"2025-10-06 19:00","share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","id":"2573467914","market":"fut","top_or_hot":-1,"title":"Forget CDs: This Move Could Double Your Money Faster","media":"Motley Fool","content":"<div>\n<p>Image source: Getty ImagesThe Fed cut rates on Sept. 17, and Wall Street is already betting more cuts are coming. That's bad news if you've been thinking about locking up cash in a certificate of ...</p>\n\n<a href=\"https://www.fool.com/money/buying-stocks/articles/forget-cds-this-move-could-double-your-money-faster/\">Source Link</a>\n\n</div>\n","source":"fool_stock","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Forget CDs: This Move Could Double Your Money Faster</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nForget CDs: This Move Could Double Your Money Faster\n</h2>\n\n<h4 class=\"meta\">\n\n\n2025-10-06 19:00 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/money/buying-stocks/articles/forget-cds-this-move-could-double-your-money-faster/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Image source: Getty ImagesThe Fed cut rates on Sept. 17, and Wall Street is already betting more cuts are coming. That's bad news if you've been thinking about locking up cash in a certificate of ...</p>\n\n<a href=\"https://www.fool.com/money/buying-stocks/articles/forget-cds-this-move-could-double-your-money-faster/\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"BK4116","symbol_name":"互联网服务与基础架构","start_time":0,"source_url":"https://www.fool.com/money/buying-stocks/articles/forget-cds-this-move-could-double-your-money-faster/","article_id":"2573467914","we_media_id":null,"thumbnails":["https://g.foolcdn.com/image/?url=https%3A%2F%2Fm.foolcdn.com%2Fmedia%2Faffiliates%2Fimages%2FWoman_following_upward_trending_line_on_graph.width-1200_iIWkZbZ.jpg&op=resize&w=165&h=104"],"rights":{"source":"fool_stock","url":"https://www.fool.com/money/buying-stocks/articles/forget-cds-this-move-could-double-your-money-faster/","rn_cache_url":null,"customStyle":"","selectors":".main-contain, #article-page","filters":"#sticky-wrapper, .navigation, .article-page-end, .foot, .author-tagline, .author-inline, .footer, .soc-share, .wysiwyg, .related-content","directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2573467914","pubTimestamp":1759748400,"columns":[],"sourceInfo":{"source_id":"fool_stock","name":"Motley Fool"},"weMediaInfo":null,"summary":"CDs are losing appeal as rates fall. Here's why investing now could earn you twice as much on your money.","collect":0,"end_time":0,"defaultTopTitle":"fool.com","property":[],"viewcount":null,"language":"en","relate_stocks":{"BK4116":"互联网服务与基础架构","CD":"Chaince Digital Holdings Inc."},"translate_title":"忘记CD：此举可以让您的钱更快翻倍","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"CD":1},"content_text":"Image source: Getty ImagesThe Fed cut rates on Sept. 17, and Wall Street is already betting more cuts are coming. That's bad news if you've been thinking about locking up cash in a certificate of deposit (CD). Yields are already slipping, and you could be stuck earning less while better opportunities pass you by.Here's the thing: CDs can feel \"safe,\" but they've never been great wealth builders. Right now, with interest rates heading lower, there's an even stronger case for looking elsewhere.It pays to think bigger than CDsYou can still lock in a CD for more than 4% today, depending on the bank and term that you choose. But why settle for a 4% return, when you might be able to get 10% instead?At today's rates, a $10,000 1-year CD might earn you about $400 in interest. That's not bad, but nothing life-changing.Over the long run, the S&P 500 Index has averaged closer to 8% to 10% annually. That same $10,000 invested could double a CD's return in a year, and potentially compound into tens of thousands more over time.Why falling rates make investing more attractiveWhen the Fed cuts rates, bond yields and CD rates usually fall too. Stocks, on the other hand, often benefit from lower borrowing costs and a friendlier environment for growth.That doesn't mean every company soars overnight, but history shows that markets tend to do well when interest rates are heading down. It's one more reason to think twice before locking your cash into a product designed for stability instead of growth.If you're ready to really put your money to work, here are the top brokerages I'd trust to start investing today.A simple way to startYou don't need to pick individual stocks to get started. Low-cost index funds or exchange-traded funds (ETFs) let you buy into hundreds of companies at once. With one move, you can capture broad market growth without having to bet on any single winner.If you've got money sitting in a CD or waiting to be parked in one, consider shifting at least part of it into a diversified fund. That way you're not just protecting your savings, but you're giving it a chance to grow.Don't let CDs hold you backThere's nothing wrong with keeping some money in a CD if you need absolute certainty. But if you want your savings to work harder -- especially in a falling-rate environment -- investing gives you a far better long-term shot.With the right approach, you could end up earning twice as much or more than you would with a CD, and set yourself up for far greater gains down the road.Don't let CDs drag down your returns. Explore the best brokerages for beginners and see how easy it is to start investing today.","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"}}}