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Mutual Funds and Mutual Fund Investing - Fidelity Investments

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Navigating changing interest rates

Intermediate
Trading and investing
Bonds

Trading and investing
Bonds
Fixed income
Platforms and tools

Trading and investing
Bonds
Fixed income
Platforms and tools

Trading and investing
Bonds
Fixed income
Platforms and tools

Trading and investing
Bonds
Fixed income
Platforms and tools

Trading and investing
Bonds
Fixed income
Platforms and tools

Interest rates are a fact of life which impact the overall economy and ultimately you. This video will explain interest rates and highlight key considerations during times of either rising or falling rates. In addition, learn about the tools Fidelity has to help you make the most appropriate decisions to meet your investment goals especially during times of changing rates.

Read relevant legal disclosures

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Fixed Income at Fidelity

Learn about bonds, CDs, bond funds, and other investments.

Important legal information about the e-mail you will be sending. By using this service, you agree to input your real e-mail address and only send it to people you know. It is a violation of law in some jurisdictions to falsely identify yourself in an e-mail. All information you provide will be used by Fidelity solely for the purpose of sending the e-mail on your behalf.The subject line of the e-mail you send will be "Fidelity.com: "

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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.

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.

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