Market-Linked
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*
Vs.
5 Years
S&P 500 Index:
72.59%
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
source: https://money.cnn.com/data/markets/sandp/
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?
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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 Stoxx 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
Contact
Brian Stokes, JD
Stokes Financial Group
Mobile: 858.922.5526
Office: 800.499.6880 ext. 1
Email: brian@stokesfg.com
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.
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