# The Pros And Cons Of Structured CDs

The stock market has been on quite a ride this year, with the DJIA up over 22% to date. On the other hand, we all remember the dark days of the banking crisis, and are perhaps wary of another period of turbulence on the exchanges. This is made all the more acute by the recent meteoric rise – are valuations taking us to the point where we are entering another bubble?

If you share these concerns, you are probably looking for an investment vehicle that can participate in the market’s growth while limiting risk. If so, one of the options you have is a structured CD. This has the potential to give you much higher rates of return than a traditional CD. For instance, if you look at this overview of best CD rates, you will see that the most you are likely to get at the moment with a traditional CD is about 1.5% a year. A structured CD can yield significantly more than this because it is linked to a stock market index – most commonly the S&P 500.