CD Rates Rise, But Stocks Still Beat CDs for Long-Term Growth

Interest rates are higher now, so CDs are paying more, but rates may fall in the future
You can earn a relatively safe return with CDs, but stocks are likely to deliver much higher returns over decades
CD interest is taxed yearly at your highest rate, but retirement accounts allow tax-deferred growth
Over 30 years, $20K in CDs at 4% would grow to $65K vs potentially over $200K invested in stocks
CDs can play a role in a balanced retirement strategy, but investing consistently over time is better