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The Wall Street Journal has a report out about a new-fangled version of that old retail bank standby: the certificate of deposit in more minor (but no less annoying) news.

Called a “structured” certificate of deposit, it guarantees greater returns but usually delivers also lower than conventional CDs, and fees a lot of up-front costs. It’s another overly complex, small understood “innovation” that mostly pads the banking institutions’ bottom lines by firmly taking money from the pocket via costs.

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