October 09, 2023

45 min

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Sitting in Cash? How to Get Off the Sidelines

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Sitting in Cash? How to Get Off the Sidelines

With multiple interest rate cuts from the Federal Reserve potentially on the horizon, now could be a good time to move out of cash and into bonds.

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Fidelity Viewpoints^®

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Decode Crypto Clarity on crypto every month. Build your knowledge with education for all levels.

Fidelity Smart Money^℠

What the news means for your money, plus tips to help you spend, save, and invest.

Active Investor Our most advanced investment insights, strategies, and tools.

Insights from Fidelity Wealth Management ^℠

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Women Talk Money Real talk and helpful tips about money, investing, and careers.

Educational Webinars and Events Free financial education from Fidelity and other leading industry professionals.

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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. Any fixed income security sold or redeemed prior to maturity may be subject to loss.

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