Michael and Jamie Singer, both in their early 30s, recently hired a financial adviser to manage some of the money intended as a down payment on their first home that had been in CDs and an online savings account.

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But record company revenues for CDs and music DVDs - which account for most of the market - dropped 6.7%.

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AutoRip, which is only available in the US, will automatically keep a digital copy of eligible CDs in a customer's cloud storage account.

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This is often a hard concept to sell because most consumers have been conditioned to think of savings as the near-zero-percent account at the bank or money market funds and CDs.

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One way to put really large amounts into CDs that will remain below the FDIC's limits indefinitely is the Certificate of Deposit Account Registry Service.

FORBES: Magazine Article