should i let my cd roll over 
as a general rule letting your cd roll over into a similar cd term at the same institution is unwise shopping around is important if you want to earn the top rate on your cds the bottom linecertificates of deposit offer stability for people who want to earn more on their money without the risk inherent in stocks and bonds although interest rates may be higher than savings accounts and money markets read the fine print carefully tying up your money for long set terms may be safe but you may lose out on higher interest returns if the federal funds rate increases while you may be able to withdraw your money early there will be penalties some of which can cut into your principal know the limitations and benefits of any investment 