Or does it matter? Just curious. I'm a beginning investor, so for the fixed income portion, CD's fill the need.CD's behave like bonds in that they carry a fixed rate (can be considered coupon) for a fixed amt of time. However, their total return is only yield, there is no capital appreciation.Also, at what point (dollar amt) does one consider buying individual bonds? T-Bills and Notes?I do not see any advantage of T-Bills and Notes over CD's. Especially CD's available at my credit union that pay way more than Treasuries.Can you resell Treasuries if you keep them in book form with treasurydirect?rF
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