There is always the chance that companies will have their credit rating downgraded or run into financial trouble and default on the bonds. This metric reveals how effectively a corporation is generating profit from the money that investors have put into the business by buying its stock. Once it matures, you get your original principal back plus any accrued interest. But there are many kinds of CDs to fit your needs , and so you can still take advantage of the higher rates on CDs. These are also great for people saving for both short- and intermediate-term goals.