How does PortfolioPilot treat a Certificate of Deposit (CD) across interest income, maturity, and Portfolio Score?

Once a CD is in PortfolioPilot (added under Net Worth - Add an asset - Securities - "Enter or copy/paste securities" - Create custom security with asset class set to Fixed Income), it participates in your financial picture in specific ways:

Portfolio Score and exposures. The value counts as Fixed Income exposure in your overall risk and diversification picture. CDs aren't exchange-traded, so they don't surface as buy/sell candidates. They're tracked, not optimized.
Interest income in retirement projections. To make CD interest flow into your projections, open Retirement planner - Money in & out tab - + Add payment - Custom payment. Enter the annual interest, set Wealth impact to Increase, and set the date range to the CD's term.
At maturity. Prices aren't updated automatically for CDs, so adjust the value in Net Worth manually when the term ends or the balance changes. If you renew or roll into a new CD, edit the existing entry rather than creating a new one to keep tracking clean.

If you override the expected return on the holding, use total return (interest plus any other yield), not just the coupon rate.

Last updated on

May 28, 2026

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Note: our use of the term AI refers to all artificial intelligence models used including large language models, proprietary economic models that incorporate regression or dynamic factors, and machine learning methods like supervised learning.

1. As of May 26, 2026
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2. As of May 26, 2026
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3. $40B+ Assets on Platform as of May 26, 2025. Aggregated across all plans (including the free plan). Assets on Platform represent the total value of connected and manually inputted accounts (including assets like real estate and private equity) and does not in any way represent Asset Under Management as Global Predictions does not manage any client funds.

4. Global Predictions Secures a Winning Spot in International M6 Financial Forecasting Competition

5. Comparison made to an individual with $1M AUM, paying an "average wealth manager fee" of 1.04% based on publicly available McKinsey / PriceMetrix industry data. 1.04% * 1M = $10,400 per annum. PortfolioPilot Annual Gold pricing is $20/mo * 12mo = $240 per annum. 240/10,400 – 1 = ~98% lower. Actual fees paid to any individual financial advisor will depend on specific financial circumstances and arrangements.

7. The 1.94% referenced figure represents the average calculated monthly continuous tax-loss harvesting gain over a 4-year period from 2018-2021 in the 2024-published JP Morgan report titled "Continuous tax-loss harvesting yields more potential for tax savings" (link).

8. Case studies presented are hypothetical scenarios and intended for illustrative purposes only. They do not represent an actual client, investment or experience, but rather are meant to provide an example of the intended investment process and methodology. An individual's experience may vary based on his or her circumstances. There can be no assurance that the Firm will be able to achieve similar results in comparable situations. No portion of this case study is to be interpreted as a testimonial or endorsement of the Firm's investment advisory services. The information contained herein should not be construed as personal investment advice.

9. The financial advisor described in this marketing language is referring to you, the reader. PortfolioPilot is meant to be an aid to the self-directed investor. "Complete financial advice" refers to the fact that PortfolioPilot includes tools for estate planning, tax optimization, net worth visualization, and scenario modeling, not just investment recommendations. See globalpredictions.com/disclosures for descriptions of conflicts of interest, use of AI, bias, and any other disclosures for Global Predictions Inc.

10. This analysis is based on data from publicly available reports, academic studies, and articles. Sources include Mullainathan et al. (2012): Study highlighting biases in financial advice and its misalignment with client interests; Morningstar (2024): Report on typical update frequencies from financial advisors; Bodnaruk and Simonov (2014): Research on the limited impact of financial expertise on investment outcomes; Financhill: Insights on hidden fees in financial advising, including expense ratios and transaction costs, as noted by Warren Buffett; Foerster et al. (2014): Study on the costs of financial advice, including average AUM fees of 2.43%.

11. $93M number calculated as 2025 YTD TLH savings study conducted across 24,115 PortfolioPilot users on November 14, 2025.

12. Based on assumptions and projections that may not reflect actual outcomes.