I prefer to choose my own individual investments
If you're looking to build your own fixed income portfolio, we offer an extensive selection of individual bonds, CDs, and annuities.
Individual bonds, including corporate, municipal and government bonds, can help to provide principal preservation, regular income, and potential tax benefits.
Brokered CDs can offer FDIC-insured1 principal protection from a variety of different banks with a flexible range of maturities.
These annuities offer a competitive guaranteed5 rate of return over a set time period, as well the tax benefits of deferred income.
I prefer to invest in funds, like mutual funds or exchange-traded funds
Mutual funds and exchange-traded funds (ETFs) are a practical, cost-efficient way to build a diversified portfolio of bonds or short-term investments. Fidelity offers a range of options designed to meet virtually any investment need.
Bond funds including taxable, tax-exempt, Fidelity and non-Fidelity options can help diversify your fixed income portfolio.
Bond ETFs can be used to help diversify your portfolio while providing income potential for a low minimum investment.
Taxable and tax-exempt money market funds generally hold short-term fixed-income investments that can be used to diversify your portfolio and manage risk.
I prefer to have my investments managed for me6
These professionally managed bond portfolios are built around a specific investment strategy and can be personalized around your investment preferences.
Through Fidelity® Wealth Services
If you're looking for a more comprehensive approach to growing and protecting your wealth, our Wealth Management offering provides access to a dedicated advisor, planning for your full financial picture, and professional investment management.
For the purposes of FDIC insurance coverage limits, all depository assets of the account holder at the institution issuing the CD will generally be counted toward the aggregate limit (usually $250,000) for each applicable category of account. FDIC insurance does not cover market losses. All the new-issue brokered CDs Fidelity offers are FDIC insured. In some cases, CDs may be purchased on the secondary market at a price that reflects a premium to their principal value. This premium is ineligible for FDIC insurance. For details on FDIC insurance limits, visit FDIC.gov.
Minimum markup or markdown of $19.95 applies if traded with a Fidelity representative. For U.S. Treasury purchases traded with a Fidelity representative, a flat charge of $19.95 per trade applies. A $250 maximum applies to all trades, reduced to a $50 maximum for bonds maturing in one year or less. Rates are for U.S. dollar-denominated bonds; additional fees and minimums apply for non-dollar bond trades. Other conditions may apply; see Fidelity.com/commissions for details. Please note that markups and markdowns may affect the total cost of the transaction and the total, or "effective," yield of your investment. The offering broker, which may be our affiliate, National Financial Services LLC, may separately mark up or mark down the price of the security and may realize a trading profit or loss on the transaction.
Each individual's situation is unique and therefore seeking additional guidance from a tax advisor is suggested. Although deferred fixed annuities offer tax-deferral, if you are considering one to fund a qualified retirement plan or IRA, you should do so for the annuity's features and benefits other than tax deferral. In such cases, tax deferral is not an additional benefit of the deferred fixed annuity.
"Fidelity Managed Accounts" or "Fidelity managed accounts" refer to the discretionary investment management services provided through Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser. These services are provided for a fee. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), and custodial and related services provided by National Financial Services LLC (NFS), each a member NYSE and SIPC. FPWA, FBS, and NFS are Fidelity Investments companies.
You could lose money by investing in a money market fund. An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Before investing, always read a money market fund’s prospectus for policies specific to that fund.
Diversification and asset allocation do not ensure a profit or guarantee against loss.
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, liquidity risk, call risk, and credit and default risks for both issuers and counterparties. Unlike individual bonds, most bond funds do not have a maturity date, so holding them until maturity to avoid losses caused by price volatility is not possible. Any fixed income security sold or redeemed prior to maturity may be subject to loss.
ETFs are subject to market fluctuation and the risks of their underlying investments. ETFs are subject to management fees and other expenses.
Fidelity does not provide legal or tax advice, and the information provided is general in nature and should not be considered legal or tax advice. Consult an attorney, tax professional, or other advisor regarding your specific legal or tax situation.
Before investing in any mutual fund or exchange-traded fund, you should consider its investment objectives, risks, charges, and expenses. Contact Fidelity for a prospectus, offering circular or, if available, a summary prospectus containing this information. Read it carefully.
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917