Fixed income bonds and CDs Opportunity and risk Fidelity

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Mutual Funds and Mutual Fund Investing - Fidelity Investments

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Fixed income bonds and CDs

The bond markets are vast and varied places, filled with opportunities as well as risks. Fidelity's knowledge and expertise can help you understand how to make smart decisions about investing in these markets.

Bond basics

Learn what makes bonds unique, so you can better decide whether they are right for you. Advance left Clicking this control will navigate one card to the left. Advance right Clicking this control will navigate one card to the right.

Bond and money market funds

Find out more about how bond and money market mutual funds work and how to put them to work for you. Advance left Clicking this control will navigate one card to the left. Advance right Clicking this control will navigate one card to the right.

CD basics

Certificates of deposit can give you more short-term options for earning interest on your cash. Advance left Clicking this control will navigate one card to the left. Advance right Clicking this control will navigate one card to the right.

Bond prices rates and yields

Learn how bond prices, rates, and yields are determined—and how they affect how much you might earn. Advance left Clicking this control will navigate one card to the left. Advance right Clicking this control will navigate one card to the right.

Fixed income investing

Become a smarter investor by going beyond the basics to learn about fixed income strategies and less-familiar securities. Advance left Clicking this control will navigate one card to the left. Advance right Clicking this control will navigate one card to the right.

Using fixed income and bond investing tools

Fidelity offers a wide variety of tools to help self-directed investors research, buy, and sell bonds. Advance left Clicking this control will navigate one card to the left. Advance right Clicking this control will navigate one card to the right.

On-demand webinars

Listen to Fidelity's experts to learn more about bonds and cash alternatives and the role they can play in your portfolio. Advance left Clicking this control will navigate one card to the left. Advance right Clicking this control will navigate one card to the right.

New issue fixed income choices in a challenging rate environment

Webinar

Corporate bonds for total return

Webinar

What you need to know about bond pricing

Webinar

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Get a weekly email of our pros' current thinking about financial markets, investing strategies, and personal finance. Please enter a valid first name. e.g. John, D'Monte First name is required. First name can not exceed 30 characters. Please enter a valid first name. e.g. John, D'Monte Please enter a valid last name. e.g. Doe. Last name is required. Last name can not exceed 60 characters. Please enter a valid last name. e.g. Doe. Enter a valid email address. e.g. [email protected]. Email is required. Email address must be 5 characters at minimum. Email address can not exceed 100 characters. Please enter a valid email address. e.g. [email protected]. Thank you for subscribing. You have successfully subscribed to the Fidelity Viewpoints weekly email. You should begin receiving the email in 7–10 business days. We were unable to process your request. Please to go to Viewpoints signup page. 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. 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 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, the decision to call the CD is at the issuer's sole discretion. Also, if the issuer calls the CD, you may obtain a less favorable interest rate upon reinvestment of your funds. Fidelity makes no judgment as to the creditworthiness 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. Lower-quality fixed income securities involve greater risk of default or price changes due to potential changes in the credit quality of the issuer. Foreign investments involve greater risks than U.S. investments, and can decline significantly in response to adverse issuer, political, regulatory, market, and economic risks. Any fixed-income security sold or redeemed prior to maturity may be subject to loss. Fidelity Brokerage Services LLC, Member NYSE, , 900 Salem Street, Smithfield, RI 02917 949729.1.1

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Fixed income bonds and CDs

Fidelity can help you understand how to make smart decisions about investing in bond markets. Important Information Virtual Assistant is Fidelity’s automated natural language search engine to help you find information on the Fidelity.com site. As with any search engine, we ask that you not input personal or account information. Information that you input is not stored or reviewed for any purpose other than to provide search results. Responses provided by the virtual assistant are to help you navigate Fidelity.com and, as with any Internet search engine, you should review the results carefully. Fidelity does not guarantee accuracy of results or suitability of information provided. Keep in mind that investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money.

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Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917
796549.1.0