this post was submitted on 02 Mar 2026
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Yeah 8% over 1 month is pretty huge. Not suggesting this will actually happen, but if the current trend continues at the same rate, it will be a 62% loss over a year.
A short period of time before the Iran war started, I pulled all my money out of the market and am 100% in CDs now. I didn't time the top perfectly, but that's never really my goal anyway, and I'm definitely beating the market right now with modest returns.
It never does. Markets move periodically - early slow change, mid-point rapid change, tail slow change - for the most part. Nevermind that a 62% sell-off raises the question of "Who is selling?" versus "Who is buying?" Dollars are still far too cheap for a plunge that steep.
CD rates are shit right now, thanks to low interest rates.
You'd be better off in utilities or REITs. US energy companies have done very well in the wake of the Hormuz straight closure. I dropped a bunch into United Healthcare recently, thanks to their bargain basement price. Doubt it'll pay off soon. But I see a healthy upside long term.
Actually, they are really good. The interests rates have come down a bit from their peak, but aren't actually low at all compared to the last 10 years. There hasn't been a better time than the last 3 years to be in CDs since basically the 90s.
I am mainly in CDs due to external factors that make locked in returns over regular periods more attractive than other options, though.
That's barely above the Treasury rate.
Talk to me when they're north of 7%, a la 2008