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Reliable returns, FDIC guaranteed amounts, safer investment. Certificates of Deposit (CDs) may be the right choice for managing your cash, especially during turbulent markets.
CDs are federally insured deposits issued by banking institutions. CDs allow you to choose a set timeframe and lock in an interest rate, which is usually fixed for the term of the CD.
Banks and brokerages offer CDs, but brokerages offer the benefit of a variety of choices at competitive rates and enhanced FDIC insurance.
If your CD has a call provision, 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.
Money Market Fund: An investment in the fund is neither insured nor guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the fund seeks to preserve the value of your investment at $1 per share, it is possible to lose money by investing in the fund.
Certificates of deposit (CDs) are offered through American Century Brokerage are issued by Federal Deposit Insurance Corporation (FDIC)-insured institutions, and are subject to change and availability. There is a $55 early termination fee and possible market value adjustments. Brokered CDs will fluctuate in market value between purchase date and maturity date due to their ability to be sold on the secondary market. Because the secondary market for CDs is generally illiquid, a significant loss of principal could result if your CD is sold prior to maturity. American Century Brokerage makes no judgment as to the creditworthiness of the issuing institution and does not endorse or recommend the CDs in any way.
Brokerage Services are provided by American Century Brokerage, a division of American Century Investment Services, Inc., registered broker/dealer, member