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REDDIT

Should I purchase CDs to ride out market fears?

G
Oct 2, 2025 · 13:19

Hey everyone,


Quick question. I'm scared of the S&P because of the AI bubble, and I think a market crash is going to happen because of it. Globalization has made it so that a US market crash, is a global problem, so I am unsure about EXUS funds still. I'm 25 and all my money is locked in my 401k, but I have a bit of wiggle room on what investments I can make because I rolled it over from a previous job. I have 43k in it, and I want to be a good steward of it. Should I just put my money into CDs? The short 3 month ones on Fidelity seem to have a 3.950 coupon and yield. I know it's lower than what the S&P return, but I'm a little gun-shy. What do you all think?


Thanks for your time,

GG