If you’re looking for relatively secure investments with consistent return potential, Fixed Income Securities may be your answer. With a wide range of options to choose from, benefits may include:
- Guaranteed rate of return when held to maturity
- Flexible interest payment options
- Predictable fixed payments
- Short, medium, and long-term maturities
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Choose from a wide range of options
- Treasury Securities: Guarantee a rate of return when held to maturity; and can provide a steady stream of monthly or quarterly income.
- Treasury Bills: These are short-term securities that can mature at 3 months, 6 months, and 1 year. T-bills are sold at a discounted face value and upon maturity pays out the full face value amount.
- Treasury Notes and Bonds: Typically issued and redeemed at face value, they pay out a fixed rate of interest every 6 months until they mature. Maturities range from between 2 to 10 years or more.
- Agency Securities: These are short- and medium-term securities issued by federal agencies. While they are not direct obligations of the United States, most offer government guarantees or sponsorship and a higher rate of return than Treasuries of comparable term lengths.
- Agency Discount Notes: Like Treasury Bills, these are sold below face value and mature to face value in short-term intervals.
- Agency Medium-Term Notes: Comparable to Treasury Notes, they’re offered for fixed periods of time and pay interest semi-annually.
- Corporate Bonds: These are debt obligations issued by public or private corporations. Funds are used for things like building facilities, purchasing equipment or expansion.
- Municipal Bonds: Issued by states, cities, counties and other government entities to fund public projects such as building schools or highways.
Keep in Mind
- Both Treasury and Agency Securities are not bank deposits, and do not qualify for FDIC insurance.
- Principal value is not only subject to risk when sold before maturity date but also market fluctuations.
- Government bonds and Treasury bills are guaranteed by the US government as to the timely payment of principal and interest and, if held to maturity, offer a fixed rate of return and fixed principal value.
- Agency securities are guaranteed by the U.S. government as to the timely payment of principal and interest, however this guarantee does not apply to the yield, nor does it protect against loss of principal if the bonds are sold prior to the payment of all underlying mortgages. To determine which investment(s) may be appropriate for you, consult your financial advisor prior to investing.
Securities and Insurance Products:
Not FDIC Insured Not Bank Guaranteed May Lose Value Not Insured by any Federal Government Agency Not a Bank Deposit
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