When I originally opened the IRA CD I had opened it due to my lack of knowledge of investments. When the market fell on most investments, my CD was protected by being locked in at over 5%. I was Blessed to have that rate while other's were looking for a safe haven during the market downturn. That gave me the time to study on how to diversify and talk with different people as well as a couple of USAA's financial management advisors. Now, I feel like I have a better path heading towards retirement.