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Free Tools/CD Portfolio Optimizer

Optimize Your CD Allocation

Not sure how to split your investment across CD maturities? The Portfolio Optimizer models the tradeoff between locking in higher long-term rates and staying flexible for reinvestment. Enter your total investment and rate assumptions to find the allocation that maximizes your blended yield and projected cash flow.

What It’s For

Investors who want to maximize return without guessing at the right maturity mix. Ideal for anyone with a lump sum who wants a data-driven allocation across short, medium, and long-term CDs.

How to Use It
  1. 1Enter your total investment amount
  2. 2Set your rate assumptions for each maturity bucket
  3. 3Adjust allocation sliders to model different splits
  4. 4Review blended yield, cash flow chart, and maturity breakdown
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Portfolio Results

  • Issues selected for the Portfolio: 1
  • Amount allocated into CDs: $1,000
  • Remaining cash to invest: $0
  • Weighted average CD portfolio term in years: 1.1
  • Weighted average CD portfolio term in months: 13
  • Weighted average CD portfolio coupon: 4.950%

Portfolio Cash Flow

# Amounts Term CUSIP Coupon Maturity Issuer Min Price YTM Settle Date
1$1,00013 mo744039BZ04.9504/11/2025PROVIDENT SAVINGS BANK1,000100.004.946%3/12/2024