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Thanks to the severity of the Great Recession and financial crisis, some extraordinary measures had to be taken.

And one of those measures was the Federal Reserve’s decision to cut rates down to basically zero and expand a vigorous bond-buying program. Those efforts were designed to reduce borrowing costs and make it less lucrative to hold cash/bonds. The hope was that it would expand the economy through spending and investment.

With growth being slow going, interest rates have sat at basically zero for the back half of decade. Only recently have we seen any sort of bump upward.

It turns out, these persistently low rates have caused a major shift in investor behavior when it comes to retirement. And we aren’t just talking about reaching for yield in riskier asset classes or stocks.

Learn more about how CDs can help your income needs here.

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