Lock it down

With CD rates so good, they may be worth the commitment. Plus, the amazing benefits of working a few more years, and surprising investing themes to consider now.

February 08, 2024 View in a browser

FIDELITY VIEWPOINTS® WEEKLY EDITION: February 08, 2024

Why to consider locking down today's CD rates CDs are a commitment. But with interest rates so high right now, these FDIC-insured investments might be worth a serious look. Lock it down When should you retire? Working longer can give a powerful boost to your financial security in retirement—and be good for your social life and mind too. Stay in the game Why this could be a good year for stocks Fidelity strategist Denise Chisholm has been seeing some surprisingly positive signs. Where she's bullish How to make money—and happiness—last Here are 4 ways to turn money conversations into a source of strength in your relationship—no matter how much you have or earn. Have a rich Valentine's Day Where you can find tax-free growth potential A Roth IRA offers the power and flexibility for growth potential of your retirement savings tax-free and to withdraw money when needed. Get started Earn more on your cash—with no fees1 The Fidelity Cash Management Account offers some of the most competitive rates, with no fees or account minimums. Go beyond banking

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This information is intended to be educational and is not tailored to the investment needs of any specific investor. Past performance is no guarantee of future results. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, or economic developments. The stocks mentioned are not necessarily holdings invested in by Fidelity. References to specific company stocks should not be construed as recommendations or investment advice. The statements and opinions are those of the speaker, do not necessarily represent the views of Fidelity as a whole, and are subject to change at any time, based on market or other conditions. 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. Options trading entails significant risk and is not appropriate for all investors. Certain complex options strategies carry additional risk. Before trading options, please read Characteristics and Risks of Standardized Options. Supporting documentation for any claims, if applicable, will be furnished upon request. There are additional costs associated with option strategies that call for multiple purchases and sales of options, such as spreads, straddles, and collars, as compared to a single option trade. Sector investing can be more volatile because of their narrow concentration in a specific industry. Digital assets are speculative and highly volatile, can become illiquid at any time, and are for investors with a high risk tolerance. Investors in digital assets could lose the entire value of their investment. Diversification cannot ensure a profit or protect against loss. 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. Fidelity does not provide legal or tax advice and the information provided above is general in nature and should not be considered legal or tax advice. Consult with an attorney or tax professional regarding your specific legal or tax situation. Fidelity Brokerage Services LLC does not offer digital assets nor provide clearing or custody services for such assets. The third parties mentioned herein and Fidelity Investments are independent entities and are not legally affiliated. The third-party trademarks and service marks appearing herein are the property of their respective owners.

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