CD
Chindata Group Holdings Limited
stock NASDAQ

Math is simple. your mortgage costs 6.125%. your other options earn less 4.25% CD, 4.75% bonds or have risk stocks.
Pay down the mortgage. it's a guaranteed 6.125% return, which beats what you listed. Just keep some emergency cash on hand.

Hi Friends ⋆˚࿔
My home mortgage interest rate in 6.125% in 30 years. I've maxed my 401k and Roth IRA.I am thinking some options below
1. Paying off the mortgage earlier by paying more principal every month. It will shorten the mortgage year.
2. Paying the mortgage at the minimum each month. Use the money to do other financial products, but they seems lower than 6.125%, which means that I will pay more interest.
Other financial products considering:
\- CD: 4.25% (14 months)
\- Bonds: 4.75% (20 years)
\- Stocks: have risk
Thank you very much for your time! I am open to any ideas. Please feel free to share if you would like ⋆˚࿔

So gold does not have the environmental problems of silver (gold does not oxidize or react with other common elements and/ or molecules), but it does have the same security issues.
Do not share with others that you have gold. Before you accumulate enough gold where losing it would devastate, spend $100 on a bank box. It is $100 per year or so, the cheapest insurance you can find. Others complain about how this can be taken away from you, like in 1933, but keeping half you gold and some silver in there just makes sense. Also keep a state ID, a little cash, copies of important documents, a few photos that are important to you, and anything else you need (CD/DVD with important documents, folders,…// flash drive with the same // other stuff).
I would say that wearing gold is a nice insurance policy. You can sell that necklace or bracelet. If you are worried about theft, buy white gold.
With gold jewelry, if, God’s forbid you get arrested or similar nightmare, you have gold to sell when you get out. For example, if a man spent $1200 on a chain with two ounces of pure gold (regardless of whether the gold is 10k and heavy or 24k and exactly 2oz), if he got locked up 20+ years ago, he can sell that chain now upon release for $6,000, which is a huge deal for someone in that situation. Similarly, if one’s country were to fall into some revolutionary nightmare, and the money is worthless, that chain or bracelet is what you can use to get on a plane or boat out of the country. From China in 1949 to South Vietnam in 1975, and so many more examples (France late 1700’s, Russia in 1917, Cuba in the latev1950’s,…), there have been many examples of this. So wearing some gold, keeping a little at home and having some in a bank box or registered vault together offer some risk management. Similarly, keeping a bit of money in silver and platinum also can help to even out the USD price volatility of your precious metals holdings (and even more so by keeping positive carry assets like stocks, bonds and real estate).
But the biggest theft avoidance advice is to make sure you, your spouse and especially your children do not talk about it. The children are especially dangerous. A rich drug-addicted teenager will rob his neighbors, and gold is very liquid and does not require a fence.

>How much should I have in my savings?
The typical recommendation is at least 6 months of expenses.

Anything beyond that, it depends on your goals and appetite for risk. CD are good for near term goals. Stocks are better for long term goals. If you want to buy a car in 3 years, go with a CD. If you want to save for a house in 15 years, that's where stocks/ETFs come in.

Assuming taxable, I'd leave it as is. It isn't worth selling and incurring any capital gains. As the other person recommended, keep any cash that you may need within the next 5 years into something stable like a CD, money market, or HYSA.

Being early is the same as being wrong.
I am all in on a CD right now, one expires in 6 months the other in 13 months (1 month already down).
If the SP500 is lower then than it is now, I will all in into my stable "money storage" port (40% IVV 40% FDVV 5% IHDG 5% JBBB 10% XDTE)

Very likely. Savings accts went up to like 8%, and looking into it it seems that CD's were paying up to 19%. In the 80's that is.

Yes - also - OP didn't really share any relevant information about the comparison such as the duration. And more importantly - what country they are in.
So many people probably assumed OP was US-based since OP mentioned S&P 500. But it sounds like the CD is not USD or issued by a US bank.

I’d go 40% CD and 60% SP500. 

The average marketable CD in the US is currently between 4.3% to 4.5% depending on duration. With slightly higher yields on the longer end of the yield curve.

Depends on the purpose of the money. I'm probably two years out to my next car, my car fund is in SGOV doing around 4.5% last I checked. In a year the difference at 6.5% would be $360. Not bad for 30 minutes of effort (sell, move money, buy CD).
But OP said it is now a monthly and likely to climb down. But monthly is not bad, it offers better liquidity with a rate higher than the going safe rate.

I didn't sell anything, instead I stopped any brokerage investing to pay off lower interest debts (car loan) to open more cash flow. 401ks were left unchanged and I've been building a 6-Month CD ladder with ally at 4%.
Hindsight, I should have just kept DCA and would have been ahead this year. I've decided to stop watching the daily moves and to get back on the DCA plan in June. However, I'm saving for a home upgrade in the next 1-3 years so my CD ladder will be much larger % than brokerage investing.

Thanks for the explanation. For whatever reason (probably because I don't invest in CDs and don't know everything about them) I thought you were referring to a CD the investor could call, not the bank.
I get the feeling they generally don't work that way.

Either way you could do better on an individual year and look back and Monday morning QB and say that was way better. From my understanding, if you need the money in under 5 years, it’s better to do the CD. If you need it 5 years or more, then the stock market would do better

Before locking it up, do the math on taxes and inflation. Figure $10,000 so at the end of the year, you’ll have $10,600, but after inflation 2.7%, that $10,321 in today’s dollars. Now the IRS wants taxes on that 600, at say 20%, so now we’re down to $10,200.
So the CD is protecting you from inflation and putting 2% on top. Not that bad, but certainly not very exciting.

Raisin is one of the best. No minimum, you can pick deals from various banks and credit unions, all FDIC insured. Interest rates on savings accounts are 4.35% now (Nex bank) and 3 months CD 4.45%

5.3%CD is pretty good, if you dont need the $ now its a safe place to park your money for a bit.

Depends on your time frame of when you might need to spend that money.
If might need it in a couple of years, then CD.
If you're not going to need it for 10+ years for sure, then stock market.

If your risk tolerance is high, meaning you don’t mind the ups and downs of the stock market, how about 1/3 in CD and 2/3 in stock funds?
Also, the best thing to do is just keep adding to your “stock” portfolio every month, so you buy some shares whether the market is up or down. Do not try to time the market or predict the future. You cannot. The US market is extra volatile this year due to whimsical policy changes.

I use my CD as an emergency fund. I've like a sense of security