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CD barbells: Discovering certificate of deposit strategies

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? Need to balance this with both your short- and long-term goals? A certificate of deposit barbell strategy may be a possible option. Learn how you can use this simple investment strategy.

Please note: Certificates of deposit are now available in $100 increments. If you're looking to make your cash work harder, you may find an option to meet your time frame and earn high returns with a fractional CD.

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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.

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