Discover the Potential Advantages of Fixed Income Investing

If you are looking to diversify your portfolio, or if you seek a predictable income stream, fixed income investments may be right for you. Some features and benefits include:

  • Regular income - If you're looking to supplement your income or help fund retirement, fixed income investment may provide a steady stream of income monthly or quarterly.
  • Diversification - Low volatility and low correlation to stocks can help balance your portfolio, helping to reduce portfolio volatility in uncertain markets.
  • Capital Preservation - Fixed income prices may fluctuate, but you can rely on receiving the full-face amount when your fixed income investment matures.
    See available fixed income investments

Three Reasons to Choose Fixed Income with TD Ameritrade

We help take the guesswork out of investing in bonds and CDs with fixed income tools, research, and support, including:

  1. Bond Wizard - Find investments suited to your needs, based on this simple question-and- answer tool.

  2. Top-Notch Resources - S&P Capital IQ articles, handy calculators, third-party research, and much more.

  3. Bond Education Center will help you invest wisely and learn new strategies.

Find Fixed Income Solutions

With so many choices, it can be hard to find investments that suit your needs. But with Bond Wizard and third-party expert research, you'll find investments that may be a good fit with your portfolio.

Find the right fixed income solution with Bond Wizard

Bond Wizard Makes Investing Easier

Answering 5 simple questions will provide a list of bonds suited to your needs and goals. Or, use Bond Wizard's bond ladder tool to implement a laddered strategy for bond investing designed to decrease your overall risk. You can also purchase a ready-made ladder featuring CDs, US Treasuries, or government agencies in a specified maturity range and quantity.

Power Up Your Fixed Income IQ.

You'll have access to helpful S&P Capital IQ articles, powerful comparison calculators, and helpful, third-party information from the Securities Industry and Financial Markets Association (SIFMA). Follow the fixed income market's every move with access to the latest commentary and third-party research from Briefing.com. Get Bond Brief columns, daily Bond Ticker market updates, rate analysis, and more.

Bonds by the Numbers

Taxable Yield Calculator

Use the Taxable Equivalent Yield Calculator to compare the yields of fully taxable investments with the yields of tax-exempt municipal bonds.

Bond Calculator

The Bond Calculator helps determine yields and costs associated with investing in a fixed income security.

Bond Wizard’s Bond Ladder Tool

Use Bond Wizard's bond ladder tool to add a laddered bond component to your portfolio that can help minimize your overall risk.

TD Ameritrade Offers Choice, FDIC Protection, and Specialized Help with CDs

With a TD Ameritrade account, you have access to a wide variety of CD issuers, so you can find the one that fits your investing goals. Plus, your CD investments are insured up to the FDIC limit for each depositor at each issuing institution. So, if you own two CDs from two different banks, you're covered up to $500,000.1 If you need help, our CD Specialists are just a click or call away.

Open Your Account

AdChoices

Please note: It is important to keep in mind that investments in fixed income products are subject to liquidity (or market) risk, interest rate risk (bonds ordinarily decline in price when interest rates rise and rise in price when interest rates fall), financial (or credit) risk, inflation (or purchasing power) risk and special tax liabilities.

TD Ameritrade may act as principal on any fixed-income transaction. When acting as principal, we will add a markup to any purchase, and subtract a markdown from every sale. This markup or markdown will be included in the price quoted to you.

Market volatility, volume and system availability may delay account access and trade executions.

Non-deposit investment products NOT FDIC-INSURED/NO BANK GUARANTEE/MAY LOSE VALUE.

Fixed income products are subject to availability and change in price. Availability of products and services may vary by jurisdiction.

Diversification does not eliminate the risk of experiencing investment losses.

Results generated by Bond Wizard are based on your entered criteria and represent possible investment alternatives available at the time the list is compiled. The results should not be considered a recommendation or solicitation by TD Ameritrade to purchase any specific securities. You are responsible for determining whether any particular investment is consistent with your investment objectives, risk tolerance and financial circumstances. You may want to consult an attorney or tax professional regarding the bonds you select for your portfolio prior to purchasing them.

While the Bond Ladder tool may assist you in obtaining diversification of your own individual portfolio, its use does not ensure diversification. Keep in mind that diversification does not guarantee against loss.

TD Ameritrade is not responsible for ensuring that your use of the Bond Wizard or Bond Ladder tool is suitable for your specific financial situation.

The types of CDs available through TD Ameritrade are called brokered CDs. They are similar to CDs purchased directly from a bank, except they can be traded on the open market. Brokered CDs that you choose to sell prior to maturity in a secondary market may result in loss of principal due to fluctuation of interest rates, lack of liquidity, or transaction costs.

Brokered CDs have an extended settlement period of up to two weeks. The settlement date and maturity date of the CD will be reflected on the trade confirmation. The amount of CDs available under certain offers is limited. Additional CD offerings with varying rates and maturities are available.

If you purchase a callable CD, the issuer can redeem or "call" your CD before maturity. Callable CDs may have a higher interest rate because of the risk that the CD will be redeemed early. If you purchase a non-callable CD, you will know exactly how long you will hold the CD and how much interest will be paid by the issuer.

CD Buy orders are subject to a 2 CD ($2,000 par value) minimum. TD Ameritrade does not allow the selling of a CD you do not own in your account (short selling.)

TD Ameritrade receives a placement fee from the issuing bank in connection with your purchase of a CD. You will not be charged any commissions in connection with your purchase of a CD.

  1. Up to $250,000 per account owner per institution for depository assets held in non-retirement accounts.

Federal Deposit Insurance Corporation (FDIC)  insures CDs for principal and accrued interest up to $250,000. Included in this coverage is any other amount you may have on deposit with the bank or institution that issued the CD, for the same account ownership category. Please make sure you know the extent of your FDIC coverage and that you monitor your entire deposit with the issuing bank to ensure it does not exceed the coverage limit.

Third-party research and tools are obtained from companies not affiliated with TD Ameritrade, and are provided for informational purposes only. While the information is deemed reliable, TD Ameritrade does not guarantee its accuracy, completeness, or suitability for any purpose, and makes no warranties with respect to the results to be obtained from its use.

TD Ameritrade, Inc., member FINRA  / SIPC  / NFA . This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. © 2014 TD Ameritrade IP Company, Inc. All rights reserved. Used with permission.