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offered by RetireByDesign
We often refer to these products as CD annuities, as they operate like a bank CD, except that the interest earnings are tax deferred until you withdraw the interest. The base rate for the above offering is 5.50% with a 1.50% bonus the first year. It has a 6-year maturity. However, if the renewal rate falls below 5.50% you can redeem your account with no exit penalties. For someone who needs a shorter maturity we also have a very attractive 6% rate guaranteed for 3-years.