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Fixed Income Tools & Services

Fidelity offers a wide range of tools and services to help you create a retirement income strategy, manage your fixed income portfolio with laddered maturities, stay on top of market updates, and more.

Most tools can be used directly online at Fidelity.com. Feel free to contact us if you need help in getting started or in understanding the output they provide.

Managing bond and CD portfolios

Manage your bond and CD portfolios with detailed reports and analysis, calculators, and laddering tools.

Bond Ladder Tool
Create a consistent stream of income by purchasing bonds with staggered maturities.

Fixed Income Analysis Tool
View your Fidelity bond and CD holdings and get detailed analytics and cash-flow reporting.

Price/Yield Calculator
Calculate the estimated yield or price of a bond.

Tax-Equivalent Yield Calculator
Compare the yield between taxable and tax-exempt bonds.

Fixed Income Alerts
Get timely updates on new issues, material events, and redemptions sent to your wireless device or Fidelity.com inbox.

Fidelity Auto Roll Program
Have your U.S. Treasury and CD investments automatically reinvested at maturity.

Income planning and investment strategy

Analyze your investment strategy, review asset allocation decisions, and create an income strategy.

Income Strategy Evaluator
Find an income strategy to help meet your retirement income needs.

Portfolio Review
Get guidance on your current investment allocation.

Retirement Income Planner
Get a detailed analysis of your retirement income and expenses.

Do you have a fixed income portfolio over $3 million?

Make smarter investment decisions with an in-depth look at every holding in your fixed income portfolio and the value-added coverage of our High Net Worth Bond Desk.

Fixed Income Analytics Service
Get help managing your bond portfolio with detailed reports and analysis.

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certificate of deposit (CD)

a debt instrument issued by commercial banks or thrifts to raise funds for business activities or to retire other debt; Fidelity offers a type of certificate of deposit called a brokered CD

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maturity, maturity date(s)

the date on which the principal amount of a fixed income security is scheduled to become due and payable, typically along with any final coupon payment. It is also a list of the maturity dates on which individual bonds issued as part of a new issue municipal bond offering will mature

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material events

the disclosure of certain enumerated events affecting a municipal security such as payment delinquencies, bond calls, ratings changes; the MSRB, Electronic Municipal Market Access (a.k.a. EMMA) provides free access to municipal disclosures, market data and education

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redemption

the act of an issuer calling, or purchasing a fixed-income security from the holder, generally at face value, prior to the stated maturity date

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Treasuries

debt obligations of the U.S. government that are issued at various intervals and with various maturities; revenue from these bonds is used to raise capital and/or refund outstanding debt; since Treasury securities are backed by the full faith and credit of the U.S. government, they are generally considered to be free from credit risk and thus typically carry lower yields than other securities; the interest paid by Treasuries is exempt from state and local tax, but is subject to federal taxes and may be subject to the federal Alternative Minimum Tax (AMT); U.S. Treasury securities include Treasury bills, Treasury notes, Treasury bonds, zero-coupon bonds, Treasury Inflation Protected Securities (TIPS), and Treasury Auctions

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yield

the percentage of return an investor receives based on the amount invested or on the current market value of holdings; it is expressed as an annual percentage rate; yield stated is the yield to worst — the yield if the worst possible bond repayment takes place, reflecting the lower of the yield to maturity or the yield to call based on the previous close

Questions?

Income Strategy Evaluator, Retirement Income Planner, and Portfolio Review are educational tools. Guidance provided by Fidelity is educational in nature, is not individualized, and is not intended to serve as the primary or sole basis for your investment or tax-planning decisions.
In general the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation risk and credit and default risks for both issuers and counterparties. Unlike individual bonds, most bond funds do not have a maturity date, so avoiding losses caused by price volatility by holding them until maturity is not possible.
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