> >>> Even if full disclosure was given, 7.2% per annum is not exactly
> >>> breath
> >>> taking.
> >
> > Well, these days, looking at things like US banks, it's not all that
> > bad...
>
> This is what my bank offered for CD's a month ago. (No typos)
> CD (Minimum $1,000 for 2 years): 1.45%
> CD (Minimum $10,000 for 2 years): 1.50%
> CD (Minimum $100,000 for 2 years): 1.50%
>


Not really a fair comparison.
The CD is a 'risk free' investment, meaning that your principal will be paid
back to you at the end of the period.
So, the value of the CD cannot go down.

While stocks always carry a risk premium because they can fall in value and
you may have to wait many years to see it trade back at the price you bought
(if ever)



Danny




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