However, you cannot take your money out before the term you have set expires. The longer the term you chose to leave your money in the CD, the higher the interest rate you will receive. A collectible is anything that you can buy and resell at a profit. Some examples are art, coins, baseball cards and stamps. In order to realize value from your collectibles, it is necessary to be able to carefully track the item's origin and price paid, and to keep it in excellent condition.
Commodity is a general word for something that can be bought and sold and has intrinsic value.
Some examples of commodities are gold, silver, other metals, meat, soybeans and foreign currency. Investing in commodities is high risk because the value of these products can rise and fall dramatically. Owning a corporate bond is riskier than a government bond but usually returns a higher interest rate. Sometimes, though, a bond will have a call-protection which means that it cannot be paid back before the maturity date set at the time of purchase. A common solution is to set up a custodial account.