Real ChatGPT answer · index seedW3pxWw9KrxQcompleteFinance and banking · checking and savings accountsbrand
What precise criteria should an experienced investor use when deciding between parking cash in a liquid savings account versus locking in a promotional CD rate?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What precise criteria should an experienced investor use when deciding between parking cash in a liquid savings account versus locking in a promotional CD rate?
2 real searches · 1 real-search pass
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
FDIC deposit insurance savings accounts certificates of deposit early withdrawal penalty consumer guidance CD APY savings account Google ↗
IRS interest income savings accounts certificates of deposit taxable interest publication 550 Google ↗
- What is a certificate of deposit (CD)? · consumerfinance.gov
- What are the penalties for withdrawing money early from a CD? · helpwithmybank.gov
- Certificates of Deposit (CDs) · investor.gov
- VI-3 Truth in Savings · fdic.gov
- Deposit Insurance FAQs · fdic.gov
- Your Insured Deposits · fdic.gov
- Publication 550 (2025), Investment Income and Expenses · irs.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
FDIC deposit insurance savings accounts certificates of deposit early withdrawal penalty consumer guidance CD APY savings account OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
IRS interest income savings accounts certificates of deposit taxable interest publication 550 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |