If you're willing to hold cash-ish (CDs in this case) for a couple of years, then why not take a closer look at RPHIX? If you wait it out a year or two, its minor volatility doesn't matter and it "always" does better than cash.
Portfolio Visualizer comparing RPHIX and cash
I believe MikeM was looking at corporate bonds, not callable CDs. Only assume that the bond will be called if it is currently trading above par. Even then, should interest rates go back up, or if the company issuing the bond should have cash flow issues, you may wind up with the bond for a longer period of time.
I just had a muni bond called that was eligible to be called a couple of years ago. For whatever reason the government entity didn't call the bond for awhile. The bond was even trading above par, so not it not getting called was a plus for me. But much of the time if a bond doesn't get called, it's because its price has dropped below par. Then you're stuck with the bond or you sell it at a loss.

So good to hear from you @dtconroe. Was concerned about your absence. You have so much to offer when it comes to fixed income investing.
Re ” … or jumping back into the more active investing options “
A couple years older here and never been the “cash” type. But depends on a lot of personal situation factors. I’m at 7.5% in Fido’s MM fund. Take whatever they give me. The 2 “least risky” components of the larger portfolio (15.5% each) are CVSIX and LPXAX. Both should generate a percent or two over cash longer term. However, am prepared for some ocassional down years (- 3-5%) as well. And the fees tend to be higher than most want. Also, there’s been some discussion of (lower fee) JAAA as an alternative to cash - but we don’t have a firm grasp of the risk under certain adverse conditions.
Just killing some time on a nasty winter morning. Best wishes.

Hi hank, nice to hear from you. My investing choices have moved into very passive CDs in recent years. I just don't think my investing choices offer much information, that others would be interested in. My personal situation is virtually unchanged, except that I have no need to chase higher returns via active investing, with frequent buy/sell decisions. I still monitor a large number of watchlists, primarily various categories of bond oefs, but have not been inclined to invest in those bond oefs recently. I may choose to carve out a small position in a fund on my watchlist, just to stay in touch with something other than passive CD choices, so now is a time where that may be viable.

So good to hear from you @dtconroe. Was concerned about your absence. You have so much to offer when it comes to fixed income investing.
Re ” … or jumping back into the more active investing options “
A couple years older here and never been the “cash” type. But depends on a lot of personal situation factors. I’m at 7.5% in Fido’s MM fund. Take whatever they give me. The 2 “least risky” components of the larger portfolio (15.5% each) are CVSIX and LPXAX. Both should generate a percent or two over cash longer term. However, am prepared for some ocassional down years (- 3-5%) as well. And the fees tend to be higher than most want. Also, there’s been some discussion of (lower fee) JAAA as an alternative to cash - but we don’t have a firm grasp of the risk under certain adverse conditions.
Just killing some time on a nasty winter morning. Best wishes.

Many of my higher rate CDs are maturing. I am extending some to 3 to 5 years even if the rate is 3.40% for 3 years(the rate I am getting for one maturing today). I just turned 76 years of age. With ultra-conservative passive investing my post-retirement savings has doubled and, so far, knock on a lucky door, my non-saving, non-RMD income has exceeded my spending. (Spending, be deviled, 57% of that spending this year has been nothing but federal and property tax.) I discovered I just no longer want to chase the rates or the markets. I guess I should find some tax free stuff since anything I do seems to raise my unused dividends/interest and cost me more in taxes.
Girls just wanna have fun.

At 76 years old and happily retired, I have been investing in CDs for the past few years. About 1/3 of my CDs will be maturing in the next month. It appears that the renewal rate, for "noncallable" CDs, will be around 4.3%. That is about 1% lower than the maturing CDs. I am wrestling with renewing at the 4.3% rate, with almost no stress, or jumping back into the more active investing options. Anyone else in a similar situation?

I've never thought of Motley Fool as an investment house. I always thought of it as an entertainment site that makes money through advertising. Even their stock recommendations seem to be subpar.

@MikeM - I received an anonymous tip from a fella I didn’t know while riding a hotel shuttle bus to the airport in Charlotte NC roughly 3 years ago. A very pleasant fella, he was a MotlyFool regular. Spoke highly of the site. From there he’d deduced the next hot investment would be Nvidia - although he wasn’t sure how to pronounce it and tried several different pronunciations. That was it. One tip to buy a tech company practically nobody had ever heard of. Of course, I don’t invest based on anonymous tips from complete strangers! (But maybe I should.) I did however recommend this esteemed forum to him and he was eager to check it out.

Sometimes a rubber stamping board is better than a dysfunctional, and mediocrity promoting board. Look at Intel Board many of whom have been on the board for all the years during which the company made many missteps and destroyed shareholder wealth.

Even Tricky Dick possessed enough sense of shame to resign, before facing impeachment. "Dick Nixon! Before he dicks you." (Old bumper sticker.)
We are so far removed now, from any sense of shame. Not one iota. And remember, Slick Willy "did not have sex with that woman!"
Hopefully, S.Korea's institutions and systems will win out over the would-be tyrant scum. Not so sure about the USA. Waiting to see how things shake out in France, too. Uncle Charlie De Gaulle got ticked off all those years ago over something. I don't remember what. And so, the Allied troops assigned in France had to leave. A good number went to Germany. Now, between Germany and France, France is the weak sister.

Based on our experience 8 years ago some of us are worried about it here.

I am surprised that RSIIX, an institutional shares, is on the T. Rowe Price’s no-transaction fee platform. Apparently, CrossingBridge does not have the same agreement.

Yes, it seems that the Riverpark funds have a no fee agreement with TRP for their institutional shares whereas Crossingbridge does not.
My guess is, and it's only a guess is that Riverpark Strategic Income RSIIX is a holdover agreement with TRP when this fund was still associated with Riverpark.
The fund has not been associated with Riverpark for a couple years now though it still retains the Riverpark name. Maybe keeping the Riverpark name was part of the reorganization deal when Crossingbridge took full control of the fund? Wonder if there will be a name change once Crossingbridge is no longer compensating Riverpark?

@BaluBalu

I look at its chart and can not figure out why it does not get love in this forum. Any thoughts? Looks better than FBCG to my eye.

Lots of choices in large growth, be it etf's, mutual funds or an index. A LOT of choices period when looking at all market areas.
Since FBCG (Fidelity Blue Chip Growth) inception in June, 2020 vs TMFC, FBCG is +133.6% and TMFC is +126.5%.
Notes about this sector indicate 869 offerings now vs 476, 15 years ago. FBCG is an active managed etf, TMFC is set against an index.
For our house, if we can have an investment that is a Fidelity product and compares equal to another vendor product, we will choose Fidelity.

Mac Minis were easy to sell on eBay because they were easy to package and there were always buyers that were nuts about them dead or alive.
@Old_joe's 2014 editions would have been brand new to me. If they can't run the latest OS from Apple I wonder if they can run linux? Silly me. Of course you can.
iMacs were a pain to sell, so I was always happy to find someone local who was willing to take lots of them off my hands.
iPhones and iPads were usually trashed by the time they made it to us. Those could could be bundled by date and model number and sold in lots on eBay to parts buyers.
I certainly sold used Apple products to many people that were perfectly satisfied. It was just my experience that they developed fiddly hardware problems at a higher rate than other manufacturers. But that was just about 15% all-cause issues to 5%. What was more irritating was that it always seemed to be the case that the newer Apple products were less robust and required new sets of cables to connect anything external.
I like iPhones myself. Android always strikes me as some ugly linux desktop from the late 20th century. I look for sellers that have new phones that have recently gone out of production. Even then they don't last nearly as long as the old original iPhone 2G I had for many years.
@BaluBalu, I think you made the right choice for you. As with investing, there is much to be said for the comfort level of the shopping experience for tech.

I have bought 2 iMacs, 3 iPhones, and 2 iPad Minis used in the past several years, using both EBay and Swappa. Results have been very satisfactory. They have all been recent, mint condition models sold by individuals who retained original packaging materials.

Just goes to show how M*’s rating system makes little sense at times. While AIRR gets five stars, it also gets the grade of Negative and critical comments about process and personnel. Seems way off the mark to me. Today’s M* lead article talks of how poorly SCV has done for last 10 years, a category that is a partial fit for AIRR. For my part it’s a fund-picker’s market with regard to small caps; @WABAC mentioned a couple of winners we share. An investor could have done nicely in SMLF in recent years during a period when slavishly buying SC index funds might have been disappointing.

Seems like a lesson on how to snatch defeat from the jaws of victory.
Spirit of Gordon Moore long spent?
I remember when BAC was thrown off DJI. Did not hurt it.
As for INTC, investors patient enough to wait another 2-3 years for the foundries to take shape? Dig out of $50B debt?
Gelsinger was certainly given rein in 2021, but Intel turned out to be more horse than he could handle, looks like, at this point in his life.
Whoever becomes new CEO will need to be formidable both technically, managerially, even politically. Suspect not a lot of those people exist.
@stayCalm. Not worried INTC is a value trap?
I certainly hope not. Think losing it is akin to losing Boeing. Hopeful they both figure out how to get back to health and leadership.

T Rowe Price (TROW) clears through Pershing (part of BK). I think all firms that clear via Pershing may be similarly affected.
Remember that Friday, last business day of November, was also a partial day for stocks and bonds.
Fido and Schwab (SCHW) are self-clearing, and so has been Vanguard for a few years.

BaluBalu said: I expect a lot of stock market volatility for the next four years with this type of flame thrower mentality. May be time to cash in some chips from the steady two year gains and build extra dry powder.

If inflation go up instead of treading downward due to Trump proposed tariff, all bets are off. We may see fewer rate cuts or the rate goes back up in the worst scenario.

I use the Pixels to access everything. I always used my cell phone to access everything.
I use Brave as my browser everywhere (phone, laptop, tablet). I don't use any antivirus on the phone and tablet.
The only one I worry about is the laptop, Windows 11 MSFT defender is pretty good.
Years ago I used the free AVG antivirus, but Defender is pretty good, and I got rid of AVG.
In over 30 years I had one virus, which CCleaner killed in 2 minutes. It was at least 10 years ago.
I never found viruses on Android.
Backmarket.com got good reviews. They also give you a limited warranty that lasts for twelve (12) months, starting on the date the product is delivered to the buyer.

https://www.bbc.com/news/articles/cgrwj0p2dd9o
Why is Trump still in campaign mode? Does he not know he already won the election? He would not understand currencies in 100 life times like Scott Bessent does and so why does he need to talk about currencies when he has Scott Bessent to talk? Now, he is insulting US citizens’ grasp of economics and trade. May be he is trying to distract us from something else - cabinet picks? What else am I missing?
I expect a lot of stock market volatility for the next four years with this type of flame thrower mentality. May be time to cash in some chips from the steady two year gains and build extra dry powder.

Japan Govt debt may be 150% of GDP but what counts is how much of it is owned by the Japanese, especially its own central bank.
I thought the following was interesting:
“OTHER VOICES. Jenny JOHNSON, President & CEO of Franklin Templeton. AI hype will come to an end and a period of pessimism will follow. Such up and down cycles are normal for new technologies. Early and fast adopters may not be the eventual leaders. The profitless AI capex has to be digested. Look for AI beneficiaries in enterprise software, data analytics, customer service, finance, healthcare, collaborative work, picks and shovels (chipmakers, cloud hosts, data centers).”
How did Franklin growth or value funds perform during 2023 and 2024, the current AI boom period. Just checking if her comments were colored by the performance of her funds.
I used to think business leaders are intellectually honest (I know I was naive). The latest one that killed my optimism about that breed is Howard Lutnick. He had his strategists parade for two years telling us how the economy is going to be bad and that the stock market was about to crash / correct. It turned out he was a Trump bum licker and massively politically biased. I feel sorry for all the opportunity cost he caused for investors who listened to him and his minions who of course will benefit either way.