Fixed income, bonds, and CDs

Whether you're looking for income, diversification, tax efficiencies, or protection from stock market volatility, bonds, CDs, and other fixed income investments can play an important role in any portfolio.


NEW Visualize your cash flow and gain additional insight into your bond & CD holdings with Fidelity's Fixed Income DashboardLog In Required.


Choice

Access to a wide range of fixed income investment options, including, FDIC-insured CDs,1 bond funds, over 100,000 individual bonds, and professionally managed bond portfolios.


Value

Low, transparent fees of just $1 per bond, which could save you up to $12 per bond,2 plus free online trading for US treasuries and CDs.3


Support

You'll have access to our specialists in fixed income and, for eligible clients who meet certain investment minimums, our high net worth desk who can help you integrate bonds and CDs into your portfolio.

How do you like to invest?

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.

Bonds

Individual bonds, including corporate, municipal and government bonds, can help to provide principal preservation, regular income, and potential tax benefits.

Certificates of deposit (CDs)

Brokered CDs can offer FDIC-insured1 principal protection from a variety of different banks.


Fractional CDs NEW

Minimum investment and increments of $100.

Deferred fixed annuities4

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 mutual funds

Bond funds including taxable, tax-exempt, Fidelity and non-Fidelity options can help diversify your fixed income portfolio.

Bond exchange-traded funds

Bond ETFs can be used to help diversify your portfolio while providing income potential for a low minimum investment.

Money market funds

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

Fixed income separately
managed accounts (SMAs)

These professionally managed bond portfolios are built around a specific investment strategy and can be personalized around your investment preferences.

Wealth Management

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.

We offer a wide range of fixed income solutions, including money market funds and annuities, designed to serve different investment needs. Use this comparison to help determine which is appropriate for your situation.





Research and tools


Research fixed income, bonds, & CDs

Stay up to date with news, market data, and research on fixed income investing and the bond market.


Fixed Income tools & services

Create a retirement income strategy, build a bond ladder, or stay on top of market updates.


Education


Fixed income basics

Learn more about the risks and opportunities that come with different types of fixed income options.


Investing for income

See how Fidelity's knowledge and expertise can help you to make smart decisions when it comes to generating income and preserving capital.


Fixed income webinars

Learn more about exclusive fixed income events designed to help you optimize your fixed income knowledge.