A resource site for ALL investors

 Certificates of Deposit

   Index Linked | FDIC Insured | Certificates of Deposit

Market-Linked Certificates of Deposit (CDs) are bank-issued deposits designed for investors who are mindful of risk and want principal protection on their investments so they can have the confidence to participate in the markets and capture any potential upside opportunities.

Protecting Your Assets

With FDIC Insurance

A Market-Linked Certificate of Deposit is a principal protected investment, and is subject to the credit risk of the issuing bank. Should the issuer become insolvent, the Federal Deposit Insurance Corporation (FDIC), an independent agency of the United States government, protects the principal investments of Market-Linked CDs as long as they’re held to maturity. Protection is only up to the allowable insurance limits.

The FDIC insures accounts held in several ownership categories. That means if you hold your MLCDs in multiple accounts in a variety of ownership categories, each account owner and each of their beneficiaries will qualify for coverage up to $250,000.

Compare Market-Linked CDs With
Low, Conventional Rates

5 Year 

Traditional CD:

3.10% APY*


5 Years 

S&P 500 Index:


You don’t have to settle for low returns in exchange for low risk. With Market-Linked CDs, you have the opportunity to capture returns linked to the performance of financial markets.

*Rates subject to change


Past performance is no guarantee of future results

Who Might Benefit From A Market-Linked CD?

You shouldn’t have to take on more risk at a time when you should be taking on less. With Market-Linked CDs, your principal may be protected against losses when held to maturity.

IRA Owners

Anyone who has an IRA that wishes to participate in index returns and who doesn't want to be subject to possibly losing their retirement nest egg.

Retirement Planning

If you're retired or retiring soon and can't take another market downturn, Market-Linked CDs can help you participate in growth opportunities with much less risk.

Conservative Investors

With Market-Linked CDs, it’s possible to increase your chances of achieving greater returns while protecting your principal.

Who Issues Market-Linked CDs?

Goldman Sachs, JP Morgan Chase & Co, Citi Bank and HSBC are a few of the banks that are now issuing Market-Linked CDs.  Each bank has their own proprietary index but on occasion, offer Market-Linked products which can include the S&P 500, Euro Sto​xx 50, Russell 2000 index and others.

Who Else Wants A Complimentary Guide?

​Tell us where to send your complimentary copy of the Market-Linked CDs guide


Brian Stokes, JD

Stokes Financial Group

Mobile: 858.922.5526

Office: 800.499.6880 ext. 1


Licensed to sell securities in the following states:  AZ, CA, CO, FL, HI, MA, MI, MS, NV, OH, OR, SC, UT, WA

Licensed to sell insurance products in the following states:  AZ, CA and NV

CA Insurance Lic # 0831591

Brian Stokes is a registered principal offering securities and advisory services through Independent Financial Group, LLC (IFG), a registered broker-dealer and investment advisor. Member FINRA/SIPC.  Stokes Financial Group and IFG are not affiliated.

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

Information provided is from sources believed to be reliable however, we cannot guarantee or represent that it is accurate or complete. Because situations vary, any information provided on this site is not intended to indicate suitability for any particular investor. Hyperlinks are provided as a courtesy and should not be deemed as an endorsement. When you link to a third party website you are leaving our site and assume total responsibility for your use or activity on the third party sites.

Check the background of your financial professional on FINRA's BrokerCheck.

Copyright 2019 All Rights Reserved Skyler Stokes