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If you're married, the IRS contribution income phase-out limits for your spouse is covered by.
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How to Move From Bond Funds to CDs In An IRAOur IRA CD provides peace of mind with a fixed interest rate, the tax advantages of an IRA, and the guaranteed returns of a CD. Open an FDIC-insured account. CDs offer stability for short-term goals with fixed APYs while IRAs allow you to invest in the stock market for long-term retirement savings. Learn how to use. An IRA invested in certificates of deposit is called an IRA CD. Generally, IRA CDs earn a fixed annual percentage yield (APY).
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