I notice from some investment company they offer IRA (that puts money in 2040, 2035, 50/50 or something like that) and IRA CD.

Those numbered IRA are not FDIC insured but the IRA CD is.
What’s the different? If the IRA CD is insursed. It sounds awesome, how come it seems like less people go with that?

thank you
By any chance if anyone know IRA CDs out performed by how much?
Is it worth the risk?
And how high is the interest right now for IRA CDs?

1. In both cases I can invest only after tax money.
2. I can withdraw my money whenever I want in both cases.
3. I can only contribute $5,000 per year in the roth IRA while I can contribute how much I want with a normal investment account.

So why would I choose to open a roth IRA instead of a normal investment account where I can invest how much I want?

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