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Thomas Asks AI: CD Rates Over the Last Decade: National Averages vs. Best Rates vs. What’s Actually Achievable

Certificate of Deposit (CD) rates have experienced a dramatic rollercoaster over the past decade, from historic lows during the COVID-19 pandemic to reaching heights not seen in over 15 years. This comprehensive analysis examines three critical benchmarks: national average CD rates, the absolute best rates available from top online banks, and—most importantly—the “reasonable rates” that real consumers can realistically achieve with moderate effort.

Risk vs. Return

Objectives and Constraints. The Math Isn’t Always Intuitive.

Retirement Withdrawal Analysis – Optimized Retirement Withdrawal Analysis Monte Carlo simulation for Savings Cash Flow Sustainability Analysis Period (Years): Monte Carlo Simulations: 100 simulations500 simulations1,000 simulations5,000 simulations Starting Balance: Annual Withdrawal: Unprotected Min Return (%): Unprotected Max Return (%): Protected Min Return (%): Protected Max Return (%): Max Consecutive Negative […]