Do you have some extra cash sitting on the sidelines that you’d like to earn more on, while keeping it in a stable, low-risk investment that still offers some liquidity? Building a certificate of deposit ladder is a simple strategy that may be a possible solution. Learn how you can use a CD ladder today.
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Open an account with Fidelity to help build your portfolio.
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Certificates of deposit, or CDs, are fixed income investments that generally pay a set rate of interest over a fixed time period.
Are you currently holding extra cash in your accounts, but would like it to earn a bit more for you in a stable, low-risk investment? A certificate of deposit barbell strategy may be a possible option. Learn how you can use this simple investment strategy.
Many investors interested in fixed-income investing usually think of bonds and bond funds. However, Certificates of Deposit, or CDs, can play a number of different important roles in any portfolio.
Fixed Income at Fidelity
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Any fixed income security sold or redeemed prior to maturity may be subject to a substantial gain or loss. Your ability to sell a CD on the secondary market is subject to market conditions. If your CD has a step rate, the interest rate of your CD may be higher or lower than prevailing market rates. The initial rate on a step rate CD is not the yield to maturity. If your CD has a call provision, which many step rate CDs do, please be aware the decision to call the CD is at the issuer's sole discretion. Also, if the issuer calls the CD, you may be confronted with a less favorable interest rate at which to reinvest your funds. Fidelity makes no judgment as to the credit worthiness of the issuing institution.
Displayed rates of return, including annual percentage yield (APY), represent stated APY for either individual certificates of deposit (CDs) or multiple CDs within model CD ladders, and were identified from Fidelity inventory as of the time stated. For current inventory, including available CDs, please view the CDs & Ladders tab.
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