Also, what is the difference in having a CD and a CD within an IRA?An IRA is just an account with special rules about how much money you can put in and how you can take the money out. There are all kinds of investments you can have in an IRA; savings, money market, CDs, stocks, gold, bonds, houses, etc.The only difference with CDs in an IRA is that when the CD matures, you need to keep the money in an IRA account, whether it is a rollover CD or something else, is up to you.Barbara
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