re: For what rate would you buy a CD?

I quit CDs when they fell below 5% for 6 months. Long time ago.

Buy blue chip stocks and hold. Last month I made 3K. Average increase in value over the last 10 years has been just over 2K per month. I haven't taken out a calculator to figure percent per year but it's a LOT more than 1%.

I don't consider it a gamble. Over the last 30 years I have never had a net loss over a 4 month period. Of course, I'm not actually making money since I don't sell. I do DRIPS. I let it sit there. Which is what you're doing with a long term CD.