08/13/2026
Credit to for this visual and the numbers, but this chart shows how advantageous it can be to put your money in the stock market. The S&P 500 is a measure of the stock market, representing the largest 500 companies in the US.
If you put the same $10,000 into a CD with a (generous) interest rate of 4.5%, you would have $20,700. Compare this to $90,000.
CDs are good for known upcoming purchases (like a house) within the next year or two or retirees who want a guaranteed, taxable 4%.
Yes I am playing Monday morning quarterback, but this has always been the case, for over 100 years. Investing in the broad US stock market is like betting on America and historically that has been the right move.