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Fixed Income, Bonds & CDs

Analyze your existing bond, CD and bond fund holdings with Fidelity's Fixed Income Analysis Tool.

To learn more about this tool click here.

Choose from 100,000 new issue and secondary market bonds and CDs, and over 150,000 total offerings quotations when including our depth of book. Only $1 per bond mark-up/mark-down for secondary bond trading, $0 for US Treasuries online.

GUARANTEED RATES FOR DEFERRED FIXED ANNUITIES

Saving for retirement with deferred fixed annuities (PDF)

Learn more about what deferred fixed annuities can offer.
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Compare deferred fixed annuities

Compare the deferred fixed annuities available through The Fidelity Insurance Network to select the product that best fits your goals.
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The numerical percentage values represent the highest or median annualized yields for each category based on offerings that may be available. Visit Products > Fixed Income, Bonds & CDs to read more about the advantages and risks of brokered CDs and the different bond types listed.

Understanding This Table 3mo 6mo 9mo 1yr 2yr 3yr 5yr 10yr 20yr 30yr+
CDs (New Issues) 5.35% 5.35% 5.35% 5.40% 5.25% 5.25% 5.25% 5.00% 4.85% --
BONDS
U.S. Treasury 5.38% 5.36% 5.22% 5.14% 4.85% 4.62% 4.46% 4.42% 4.67% 4.56%
U.S. Treasury Zeros 4.96% 5.16% 5.01% 5.07% 4.76% 4.55% 4.48% 4.51% 4.84% 4.39%
Agency/GSE 5.41% 5.49% 5.38% 5.43% 5.74% 5.52% 5.80% 5.95% 6.16% 5.09%
Corporate (Aaa/AAA) -- -- 5.27% 5.07% 4.80% -- -- 4.64% 5.00% 5.07%
Corporate (Aa/AA) 5.32% 5.15% 5.28% 5.18% 5.37% 5.04% 4.86% 5.06% 5.34% 5.53%
Corporate (A/A) 5.56% 5.54% 5.59% 5.60% 5.45% 5.62% 5.75% 6.17% 6.05% 6.10%
Corporate (Baa/BBB) 5.93% 5.92% 6.10% 6.06% 6.40% 6.31% 7.08% 6.52% 6.58% 7.37%
Municipal (Aaa/AAA) 4.13% 4.02% 3.78% 3.90% 3.93% 4.28% 4.05% 4.48% 4.33% 4.38%
Municipal (Aa/AA) 4.87% 4.06% 4.26% 4.29% 4.20% 4.17% 4.40% 4.85% 4.70% 4.50%
Municipal (A/A) 4.24% 4.20% 3.83% 4.09% 4.15% 4.25% 4.25% 4.49% 4.70% 4.43%
Taxable Municipal* 5.57% 5.76% 5.64% 5.55% 5.36% 5.30% 5.40% 5.54% -- 5.80%
As of 8:06 AM ET 05/19/2024. Yields may be delayed up to 15 minutes.

Separately managed accounts


Separately managed accounts (SMAs) are professionally managed portfolios generally made up of individual securities that can be personalized around your needs while focusing on a targeted investment objective. Connect with a Fidelity advisor to learn more about SMAs.



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Fidelity® Core Bond Strategy


Seeks to provide a balance between income potential and risk by investing in a diversified portfolio of investment-grade taxable bonds.


  • Taxable income
  • Active management

Learn more


Fidelity® Intermediate Municipal Strategy


Seeks to provide a balance between income potential and risk by investing in a diversified portfolio of investment-grade municipal bonds rated A- or higher while retaining the flexibility to invest a portion of the portfolio in lower credit quality bonds in search of greater income potential.


  • Federally tax-exempt income
  • Tax-advantaged
  • Active management

Learn more


Breckinridge Intermediate Municipal Strategy


Seeks to provide a balance between income potential and risk by investing in a diversified portfolio of high-quality investment-grade municipal bonds.


  • Federally tax-exempt income
  • Tax-advantaged
  • Active management

Learn more

Minimum investment:

$350,0001

Annual advisory fee:

0.35% - .40%3


(varies based on total assets invested)

How to get started investing in SMAs

Schedule an appointment with a Fidelity advisor.

Review your investment objectives.

Choose from one or more available strategies.

Other ways to invest

NEW
Introducing Fidelity Managed FidFoliosSM-making SMAs more accessible than ever before


Enjoy the benefits of a professionally managed stock portfolio with tax-smart investing strategies2 designed to help you keep more of what you earn.


  • Personalize your portfolio by eliminating up to 5 companies or 2 industries.
  • All for a $5,000 minimum investment.


Learn more

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Minimum markup or markdown of $19.95 applies if traded with a Fidelity representative. For U.S. Treasury purchases traded with a Fidelity representative, a flat charge of $19.95 per trade applies. A $250 maximum applies to all trades, reduced to a $50 maximum for bonds maturing in one year or less. Rates are for U.S. dollar-denominated bonds; additional fees and minimums apply for non-dollar bond trades. Other conditions may apply; see Fidelity.com/commissions for details. Please note that markups and markdowns may affect the total cost of the transaction and the total, or "effective," yield of your investment. The offering broker, which may be our affiliate, National Financial Services LLC, may separately mark up or mark down the price of the security and may realize a trading profit or loss on the transaction.

1. Fidelity® Strategic Disciplines (FSD) clients must generally qualify for support from a dedicated Fidelity advisor, which is based on a variety of factors (for example, a client with at least $500,000 invested in an eligible Fidelity account(s) would typically qualify). Account investment minimum is $100,000 for an FSD equity strategy, and $350,000 for an FSD bond strategy. Non-discretionary financial planning for Fidelity Strategic Disciplines clients if they qualify for Private Wealth Management.
2.

Tax-smart (i.e., tax-sensitive) investing techniques, including tax-loss harvesting, are applied in managing certain taxable accounts on a limited basis, at the discretion of the portfolio manager, primarily with respect to determining when assets in a client's account should be bought or sold. Assets contributed may be sold for a taxable gain or loss at any time. There are no guarantees as to the effectiveness of the tax-smart investing techniques applied in serving to reduce or minimize a client's overall tax liabilities, or as to the tax results that may be generated by a given transaction.

3. The advisory fee does not cover charges resulting from trades effected with or through broker-dealers other than affiliates of Fidelity Investments, mark-ups or mark-downs by broker-dealers, transfer taxes, exchange fees, regulatory fees, odd-lot differentials, handling charges, electronic fund and wire transfer fees, or any other charges imposed by law or otherwise applicable to your account. You will also incur underlying expenses associated with the investment vehicles selected.
An SMA is not intended to provide a complete investment program. You are responsible for appropriate diversification of assets held outside your SMA.

Diversification and asset allocation do not ensure a profit or guarantee against loss.

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.

The municipal market can be affected by adverse tax, legislative or political changes and the financial condition of the issuers of municipal securities. Interest income generated by municipal bonds is generally expected to be exempt from federal income taxes and, if the bonds are held by an investor resident in the state of issuance, state and local income taxes. Such interest income may be subject to federal and/or state alternative minimum taxes. Investing in municipal bonds for the purpose of generating tax-exempt income may not be appropriate for investors in all tax brackets. Generally, tax-exempt municipal securities are not appropriate holdings for tax advantaged accounts such as IRAs and 401(k)s.

Stock markets are volatile and can fluctuate significantly in response to company, industry, political, regulatory, market, or economic developments. Investing in stock involves risks, including the loss of principal.

Fidelity Managed FidFoliosSM and Fidelity® Strategic Disciplines are advisory services offered by Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser, for a fee. Fidelity® Strategic Disciplines includes the Breckinridge Intermediate Municipal Strategy, the Fidelity® Intermediate Municipal Strategy and the Fidelity® Core Bond Strategy. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), and custodial and related services provided by National Financial Services LLC (NFS), each a member NYSE and SIPC. FPWA, FBS and NFS are Fidelity Investments companies.
FPWA has engaged Breckinridge Capital Advisors, Inc. to provide the day-to-day discretionary portfolio management of Breckinridge Intermediate Municipal Strategy accounts, including investment selection and trade execution, subject to FPWA's oversight. Breckinridge is an independent registered investment adviser and is not affiliated with any Fidelity Investments company.

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

924216.5.1
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The Matching CUSIPs figure is an approximation and may vary from the total results figure provided on the Search Results page.
The Matching CUSIPs figure includes only the best offer side quotations for each of the displayed CUSIPs. It does not include any depth of book offerings for those CUSIPs.