If your CDs from 2023 or 2024 are maturing, you’re not alone—and many investors are asking the same question:Should I lock in long-term CDs or long-term bonds now that interest rates have come down?In this podcast, Nick Grose and Peter Grose of Grose Wealth Management explain why long-term bonds and long-term CDs may carry more risk than most investors realize, especially when it comes to inflation risk and interest rate risk.We break down:

• What happens when interest rates rise after you lock into a long-term bond
• Why long-term government bonds aren’t as “low risk” as they seem
• How inflation can quietly erode your real returns
• Why short-term government bonds and T-bills are considered the true “low-risk” option
• What academic research (Fama & French) shows about risk vs. reward in long-term bonds
• Where investors are actually rewarded for taking risk (and where they are not)

If you’re deciding what to do with maturing CDs, trying to balance safety, liquidity, and long-term growth, or wondering whether stocks vs bonds make sense in today’s market, this video will help you think through the trade-offs clearly.Key takeaway:You are often not adequately compensated for the additional risk of long-term bonds. If you want safety, short-term bonds may be more appropriate. If you want higher returns, history shows that diversified equity investing has provided better long-term compensation for risk.About us: https://grosewealthmanagement.com/Grose Wealth Management, a fiduciary family office serving Northern Virginia and families across the U.S.Subscribe for insights on investing, retirement planning, and building long-term wealth.Investment Advisory Services offered through Bay Colony Advisors DBA Grose Wealth Management. None of this information should be considered financial, legal, or tax advice. No financial advice may be rendered without a signed investment advisory contract.