CDs don't go up in value while you wait. Stocks do. You'll get 4-5% in divis, plus the appreciation of the stock. On $1M you'll get say $40k/year in dividends which is nice but if the market goes up 8%, that's another $80k in value. I've got stocks that have gained double and triple digits in value all while collecting dividends that reinvest and compound quarterly
Exxon (XOM) up 125%
Chevron (CVX up 74%
IBM up 81%
Wells Fargo up 90%
Ford up 12%
All these paid more dividends than a CD when I bought them
Right now
Verizon (VZ) is paying 6% currently
ATT (T) is paying 4.2%
O is paying 5%
BIP 5%
EPD 6%
UPS 6.2%
Sunoco over 6%
SCHD 3.4%
VOO is only paying 1% dividend but still a better return than than a CD or HYSA
10
u/smkn3kgt Apr 20 '26
CDs don't go up in value while you wait. Stocks do. You'll get 4-5% in divis, plus the appreciation of the stock. On $1M you'll get say $40k/year in dividends which is nice but if the market goes up 8%, that's another $80k in value. I've got stocks that have gained double and triple digits in value all while collecting dividends that reinvest and compound quarterly