tag:blogger.com,1999:blog-775967109474059335.post6272897329293363943..comments2023-11-13T00:52:34.306-08:00Comments on Kevin On Investing: CD 5-Year Report Card: Part 1Unknownnoreply@blogger.comBlogger2125tag:blogger.com,1999:blog-775967109474059335.post-7054229279626948542015-11-04T02:41:16.288-08:002015-11-04T02:41:16.288-08:00Good question, but the federal tax rate makes no d...Good question, but the federal tax rate makes no difference, since both are taxed at federal level. Treasury is free of state tax. Let's say you do make $1M+/year, so are in the 13.3% CA tax bracket. Adjusting the CD rate for state tax only lowers CD rate to 2.74% * (1 - 13.3%) = 2.38%, which is still much better than the Treasury at 1.46%.Kevinhttps://www.blogger.com/profile/03576910288369216955noreply@blogger.comtag:blogger.com,1999:blog-775967109474059335.post-35899280000086153152015-11-04T02:17:27.548-08:002015-11-04T02:17:27.548-08:00Shouldn't we consider Tax Bracket? If you are ...Shouldn't we consider Tax Bracket? If you are in the 39.6% federal and 6% NY or 13 % CA, would 5-yr Treasury come out even? Probably similar - splitting hairs? Anonymoushttps://www.blogger.com/profile/05956545980768754838noreply@blogger.com