paisano escribió:Lo unico que tenes que fijarte es si lo que hagas tiene o no respaldo de la FDIC, que asegura hasta u$s 250.000, si tiene eso, dale nomas, Tío Sam responde.
Federal Deposit Insurance Corporation (FDIC) insures CDs for principal and accrued interest up to $250,000. Limits are per account ownership per institution. Included in this coverage is any other amount you may have on deposit with the bank or institution that issued the CD. Please make sure you know the extent of your FDIC coverage and that you monitor your entire deposit with the issuer to ensure it does not exceed the coverage limit. To learn more about FDIC coverage go to http://www.FDIC.gov.
The types of CDs available through TD Ameritrade are called brokered CDs. They are similar to CDs purchased directly from a bank, except they can be traded on the open market. These CDs are usually issued in large denominations and then divided into smaller denominations by brokerage firms for re-sale to their customers. Brokered Certificates of Deposits that you choose to sell prior to maturity in a secondary market may result in loss of principal due to fluctuation of interest rates, lack of liquidity, or transaction costs.
Paisano, no es mi intencion invertir en esto, salvo que sean bancos de primera linea, no vaya a ser que quiebre y tenga que ir a usa para hacer los tramites. Ya se que la garantia es bien amplia despues de la crisis del 2008. El problema para nosotros es que si 1,8% anual a 30 días es comun en eeuu, estamos bien fritos, que tasa tienen que pagar nuestros cd y bonos ? Sería interesante saber si esto es una muestra pequeña o una tendencia al alza masiva de tasas.
