| http://www.w3.org/ns/prov#value | - However, if you have invested in a long-term fixed-interest CD and rates rise, you will be locked in at that lower rate.So, very basically, if you are worried rates might fall, you might look for noncallable, fixed-interest CDs; if you think they might rise, you might go for a callable, variable-interest CD. Either way, there is a risk, but compared to stocks, bonds, and mutual funds, it is fairly minima
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