CD & Bond Manager 1.5.7

The CDBManager serves as a comprehensive tool for managing Certificates of Deposit and Bonds, primarily designed for serious individual investors and financial advisors seeking efficient asset management across multiple accounts and institutions.

Assets are organized hierarchically by user, institution, and account, providing a flexible framework that supports complex asset structures.

One of the program’s most notable features is the Earned Interest Viewer™. It presents CDs and Bonds in a distinctive visual format, enabling users to easily assess accrued and projected interest totals at a glance.

By consolidating various accounts into a centralized view, users can compare assets across different parameters such as size and duration. The tool also facilitates the analysis of ladder strategies.

For CDs, the interface displays the duration from purchase date to maturity, the principal amount, and interest—both earned and anticipated—represented through intuitive color coding. This visual approach enhances understanding of how assets relate to each other, especially when constructing financial ladders. Users can filter views by individual accounts, institutions, or the entire portfolio.

Similarly, Bonds are displayed with metrics including duration from opened date (or settlement date if different) to maturity, initial principal value, and interest—earned and future—with color indicators. This visual comparison supports effective cash flow planning. Filtering options mirror those available for CDs.

A built-in sample database offers users valuable practice data without the need for trial-and-error setup. Additionally, preloaded information on common financial institutions—such as Ally Bank, Bank of America, CIT Bank, Charles Schwab, Synchrony Bank, TD Ameritrade, and TreasuryDirect—facilitates quick integration. Users are also free to expand this list as needed.

Key features include:

• Detailed Data Report displaying selected assets
• Expiration Report listing CDs and Bonds by their respective expiration dates
• Ladder Suggestion Report proposing new CDs and Bonds based on upcoming expirations
• Importing and exporting data in CSV, XML, or proprietary CDB formats
• Database backup and restore functions
• Local notifications alerting to CDs and Bonds nearing expiration within 7-day or 1-day intervals
• An integrated Help system designed to support user operations
• Sorting capabilities on CD & Bond graphs by account, maturity date, account type, or APR
• Display options on graph views according to selected account types

These features represent a subset of the capabilities offered by CDBManager. The remaining functionalities are accessible through user exploration and adaptation to specific investment strategies.