The simple math here is that if the maturity period is longer, then the total interest you earn needs to be higher. The interest rate itself may not be higher, but the total interest earned should be. The best source to do the research is definitely the Internet, where you get information not only from the websites of the financial institutions that provide the CD products but also from the various blogs and forums where people discuss about CDs and which of them are the best. This was the Dutch East India Company who issued the first share ever to be sold on the Amsterdam Stock Exchange. The Dutch as leaders in this new field soon began to develop some of the financial instruments that we are all still familiar with today. They introduced things such as traded options, short selling, unit trusts and even debt-equity swaps which were revolutionary at the time. That is because the truth is that even the most prudent investments carry a degree of risk with them. If you don't feel comfortable with the possibility of losing your money then it's more than likely that the stock market isn't for you. The next step in getting started is to make certain that you understand the need to leave your money invested for a reasonable period of time. When we think of the different ways of investing money most of us think in terms of the stock market but there are plenty of other types of investment to consider. For example you could choose gold or any other precious metal, real estate, Certificates of Deposit or even old automobiles. Your choice is limited only by your imagination and of course the depth of your pockets! The Bad Side of Online Savings Accounts The biggest con, for some people, is that there is no human face associated with these accounts. There s no human person you can hold responsible for a discrepancy in the account. Some people still like the old-fashioned way of banking in which they can interact with human cashiers and tellers. However from a stock market point of view let's look at what safe means to new investors. While investing in stocks and shares will always carry a certain amount of risk especially over the short term it is possible to minimize that risk. Safe investing is really just a matter of following some common sense guidelines when it comes to that risk.