Fixed Income, Bonds & CDs
Whether you are an experienced bond investor or thinking about investing in bonds and CDs for the first time, we have the people to enable you to get the most out of Fidelity's bond resources. Give us a call and let's discuss how we can help.
Fixed Income Solutions
Strategically located nationwide, our specialists in fixed income work with you and your financial consultant to provide bond strategies and trading expertise when you need it.
- Help you understand and choose from a wide variety of fixed income products, including bonds & CDs, bond mutual funds and ETFs.
- Build a bond ladder to create an income stream or review your bond holdings with a fixed income analysis report.
- Help with using Fidelity’s bond marketplace and related analytical tools on Fidelity.com.
High Net Worth Bond Desk Services
If you have a large and complex bond portfolio and have over $3 million in bonds or CDs to invest, then our High Net Worth Bond Desk could be right for you.
- Dedicated personalized relationship with a small regional team for your fixed income portfolio
- In-depth review of your bond holdings through your fixed income analysis report
- Automatic access for clients of Fidelity Private Wealth Management®
Financial Consultants
Financial consultants play a central role in understanding your overall financial situation. Understand how they engage with fixed income specialists to meet and deliver your bond investing needs.
- A trusted partner that can help you build, manage, and preserve your wealth while providing overall guidance regarding your investment portfolio
- A dedicated 1:1 relationship accessible over the phone or face-to-face meetings at our Investor Centers nationwide
Learn more about working with Fidelity's financial consultants
Why Buy Bonds & CDs at Fidelity
At Fidelity we aspire to provide you with a broad set of resources to help you build and manage your bond portfolio – and to do so at low and transparent prices. That combination equates to a great value for you.
- Engage with sophisticated yet simple to use tools on the web.
- Leverage Fidelity’s fixed income specialists and let us generate your personalized Bond Ladder or Analysis report for you.
More reasons to consider bonds & CDs at Fidelity | Competitive pricing
The Value of Managed Accounts
Investment professionals do the work for you by actively managing your money. You gain:
- The experience of Fidelity through all kinds of markets and a sophisticated approach to risk management.
- Access to proprietary and third-party research.
- A dedicated portfolio specialist for in-depth quarterly and annual reviews.
Fidelity keeps you informed
- Fidelity.com provides secure and easy access to your account and performance information.
- Account activity reports provide detailed information on trades made in your account.
- A year-end tax statement reports all account transactions and tax basis information.
Buying New Issue Bonds
Fidelity makes certain new issue products available with no transaction fee.* Fidelity may receive compensation from issuers for participating in the offering as a selling group member and/or underwriter.
Accessibility of new issues varies for individual investors, with the Treasury market most accessible and the corporate market least accessible.
Contact Us
- 800-544-5372 800-544-5372
- Fixed Income Service Messages
Investments
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New Issue Bonds
New Issue CDs
Fractional CDs
Treasury Auctions
Treasury Auction Schedule
New Issue Municipal Bonds
New Issue E-mail Alerts
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Diversified Fixed Income Solutions
Professional Management
Fidelity Bond Funds
Fidelity Bond ETFs
Fidelity Money Markets
News & Analysis
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3rd Party News
Bond Buyer News
Economic Calendar
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Fidelity Insights
Fixed Income Insights
Fidelity Viewpoints
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Municipal Borrowers Guides
California (PDF)
CT & Mass (PDF)
New York (PDF)
Webinars
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Upcoming Live Webinars
View Calendar
Sign up for webinar e-mails
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On Demand Webinars
Understanding Bond Pricing
Bond Investing, Beyond Yield
More On-Demand Webinars
Resources
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Fidelity may provide you with various types of investment assistance, including financial planning, investment education, and/or best interest or fiduciary investment recommendations. To implement investment changes, you need to consider which of your assets to use, including any assets you may have in a workplace retirement plan or IRA. Whether to rollover retirement assets to implement investment changes is a separate decision, and any investment decision assistance we provide to you is not itself a recommendation to rollover retirement assets. A Fidelity representative can review with you various factors to consider in your distribution or rollover decision.
Generally, Fidelity representatives act as a fiduciary when recommending fixed income securities in a retirement account.
*Fidelity offers investors the opportunity to participate in both the new issue and secondary bond markets. Investors pay no commissions or mark-ups when participating in new issue offerings, but Fidelity charges a mark-up/mark-down or commission in the secondary market. (See Fidelity Brokerage Commission & Fee Schedule (PDF) for more information.)
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. High-yield/non-investment-grade bonds involve greater price volatility and risk of default than investment-grade bonds. Any fixed income security sold or redeemed prior to maturity may be subject to loss.
A bond ladder, depending on the types and amount of securities within it, may not ensure adequate diversification of your investment portfolio. While diversification does not ensure a profit or guarantee against loss, a lack of diversification may result in heightened volatility of your portfolio value. You must perform your own evaluation as to whether a bond ladder and the securities held within it are consistent with your investment objectives, risk tolerance, and financial circumstances. To learn more about diversification and its effects on your portfolio, contact a representative.
"Fidelity Managed Accounts" or "Fidelity managed accounts" refer to the advisory services provided for a fee through Strategic Advisers LLC (Strategic Advisers), a registered investment adviser. 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. Strategic Advisers, FBS, and NFS are Fidelity Investments companies.
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