It's advisable to lock in Certificates of Deposit (CDs) with rates around 5.25% to 5.5% for terms of 12-24 months before the Federal Reserve begins cutting interest rates, to secure guaranteed returns.
"you can also potentially consider locking in a CD a certificate of deposit at a bank before the Federal Reserve Bank starts cutting interest rates because that's a way for you to lock in a potential interest rate return so if you see a bank offering a 5.25 or 5.5% CD you can lock that in for 12 months or 18 months or 24 months and get that guaranteed interest even if the Federal Reserve Bank starts cutting interest rates"