Investment Lock Test

Before locking money into a CD, Treasury, bond, annuity, or other investment, test whether the lock period conflicts with your spending and liquidity rules.

Proposed Investment

Amount

Locked For (Months)

Essential Expenses / Month

Current Liquid Funds

$638,120

Required 3-Month Reserve

$35,280

Liquid After Investment

$538,120

Decision Score

100/100

FCC Decision: APPROVE

Rule	Result	Explanation
Liquidity Reserve	PASS	Liquid funds after the investment meet the protected 3-month reserve.
Maximum Lock Period	PASS	The proposed 24-month lock is within the 36-month ceiling.
Maximum Single Investment	PASS	The proposed amount is within the single-investment limit.