4. Certificates of deposit A. Have a minimum opening balance B. Have a substantial penalty for early withdrawal C. Have a fixed maturity date D.All of these 5. Certificates of deposit are good for A. Beating inflation and growing your money B. Building a solid savings foundation C. Investing for long-term growth D. Investing in the short-term 6. are similar to 401(k) plans as they are both funded with pretax earnings. A. Roth IRAs B. Traditional IRAs C. Certificates of deposit D. Mutual funds