Much Better Than a CD: 3 ETFs Paying Over 6% That You Can Sell Anytime

2 days ago 7

Omor Ibne Ehsan

Mon, December 15, 2025 astatine 8:56 AM CST 5 min read

Financial Dividend Concept with Percentage Cube and Coins connected reddish Background

iShares Flexible Income Active ETF (BINC) yields 6.14% monthly done 4,000 holdings managed by Rick Rieder who oversees $2.7T successful assets.
ALPS REIT Dividend Dogs ETF (RDOG) yields 6.67% quarterly crossed 47 diversified REITs positioned to payment from Fed complaint cuts.
iShares Preferred and Income Securities ETF (PFF) yields 6.07% monthly and trades beneath par worth aft losing 18.8% implicit 5 years.
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CDs (Certificates of Deposit) output a fixed rate, and galore person been leaning towards them owed to the higher involvement complaint situation successful caller years. However, it's worthy looking into dividend ETFs similar iShares Flexible Income Active ETF (NYSEARCA:BINC), ALPS REIT Dividend Dogs ETF (NYSEARCA:RDOG), and iShares Preferred and Income Securities ETF (NASDAQ:PFF), arsenic it's not a bully thought to clasp CDs long-term.

CDs surely connection much information and predictable returns, but they fastener up wealth for fixed presumption and aboriginal withdrawal penalties. Yields are inactive overmuch little than immoderate ETFs that springiness you a higher output and upside potential. If you measurement that against the astir caller ostentation headline, your existent output drops person to 4% if you unfastened a slope CD today.

If you support your wealth successful CDs twelvemonth aft year, the accidental outgo becomes immense arsenic you miss retired connected the banal market's gains. Moreover, you person the state to retreat your wealth from dividend ETFs astatine immoderate infinitesimal without immoderate penalties.

These higher returns travel with higher risks than FDIC-insured CDs, but semipermanent investors don't person overmuch to interest about, arsenic bully dividend ETFs thin to retrieve eventually.

The iShares Flexible Income Active ETF is an actively managed ETF whose superior extremity is to maximize semipermanent income portion providing superior appreciation whenever possible.

It uses a multisector attack that invests crossed planetary fixed income markets without being constrained by accepted benchmarks. This lets it seizure charismatic risk-adjusted yields careless of marketplace conditions.

BINC dynamically rotates hazard crossed what BlackRock calls "plus sectors" of the fixed income market. In short, you get entree to harder-to-reach fixed-income sectors done BlackRock's Fundamental Fixed Income platform. The dividend you get comes from ~4,000 holdings. The pb manager is Rick Rieder. He is 1 of BlackRock's astir elder concern professionals and oversees ~$2.7 trillion successful assets.