Agentic AI · CDs
A CD ladder that builds itself.
Designs the right CD ladder for your cash horizon, locks the best term at the right moment, and rolls maturing CDs into the highest-yield option.
What the agent would do
A glimpse of cds, fully agentic.
- ✓Models laddered vs. bullet vs. barbell strategies for your goals
- ✓Times new CDs around Fed meetings and rate-curve signals
- ✓Auto-rolls maturing CDs into the best new term
- ✓Breaks a CD early only when the math actually wins
🤖KAI · CDs Agent
I have $40k sitting in savings — should I put some in CDs?
Yes. You won't need ~$28k of it for at least 12 months. I'd build a 4-rung ladder: $7k each at 6, 12, 18, and 24 months — blended yield 4.65%, vs. 4.20% in savings. That's about $126 more per year, with $7k freeing up every 6 months.
Build it.
Opened all four CDs and set auto-roll. When the 6-month rung matures, I'll re-evaluate the curve — if longer terms still pay more, I'll roll it to the back of the ladder. If short rates are higher, I'll keep it short.