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Bank Offers Innovative Exposure to Treasuries Through CD’s

May 9, 2014



    Online Bank Offers Innovative Exposure to Treasuries Through CD’s – In yesterday’s briefing, I explained how to buy foreign currency with three easy ways to purchase it. One of the three ways is to purchase a foreign currency CD through a financial institution like Everbank.

    Everbank is an online banking institution that provides innovative products and is, of course, completely FDIC insured. One of my favorite products Everbank offers is their WorldCurrency CD. You can buy CDs with maturities of 3 months up to 1 year, and there are no rollover fees involved. The minimum deposit to open one of these CDs is $10,000 (unless you are buying the Indian Rupee, which requires at least $20,000). An added bonus is that you can place your IRA funds into one of these CDs if you are looking to diversify away from the U.S. dollar and help preserve the purchasing power of your savings. The currencies available include:

    • Australian dollar
    • British pound
    • Canadian dollar
    • Euro
    • Japanese yen
    • Norwegian krone, and others

    You can also buy a WorldCurrency CD with access to emerging market currencies, such as:

    • Brazilian real
    • Indian rupee
    • Mexican peso
    • South Afrian rand

    Everbank also offers CDs that track baskets of currencies. One example of their WorldCurrency CD Baskets is the commodity-rich basket of the Australian dollar, the Canadian dollar, the New Zealand dollar, and the South African rand. Another example is a geographically-inspired “Pan-Asian” CD basket, which consists of the Australian dollar, the Hong Kong dollar, the Japanese yen, and the Singapore dollar.

    Another great thing about Everbank is that they offer products called MarketSafe CDs. These are also very innovative in that they offer bonus upside potential and no downside loss. For example, last year their MarketSafe CD product was called the Evolving Economies CD, and it offered exposure to four emerging market currencies, the Colombian peso (COP), the Indian rupee (INR), the Mexican peso (MXN), and the Turkish lira (TRY). If the 5-year performance of the CD exceeds 0%, your return is the greater of 15% or the CD performance. If the performance turns out to be less than 0%, your principle is 100% protected.

    This year, Everbank is offering the MarketSafe Treasury CD, which tracks the 10-year Treasury yield with a 3.3x upside leverage factor. The deadline to fund this CD is June 11. You can learn more about it here.

    Until tomorrow,
    Jerry Robinson

    P.S. I am not affiliated with Everbank and make no money from promoting them or their services. As always, be sure to do your own due diligence before making any financial decisions.

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