Step-up Coupon If your CD has a step-up coupon schedule, the interest rate of your CD may be higher or lower than prevailing market rates. Generally, a step-up CD pays a below-market interest rate for an initial defined period often one year. After the expiration of that initial period, the coupon rate generally increases, and the CD will pay this interest rate until the next step, at which time it changes again, and so on through the maturity date. Holders bear the risk that the step-up coupon rate might be below future prevailing market interest rates.
Because step-up CDs typically include call provisions, holders also bear the risks associated with callable bonds. In this regard, it is important to understand that if your CD is called, you will not benefit from the interest payment s of the later step s.
The initial rate on a step-up CD is not the yield to maturity. Please review the step-up schedule and call information found in the coupon and attribute columns of the search results page or in the CD Disclosure Document.
Survivor's option In the event that the original investor is deceased or permanently incapacitated, most brokered CDs carry a survivor's option feature also known as a "death put"which allows the estate of a deceased investor to "put back" or redeem both principal and accrued interest of that instrument without penalty.
CDs that carry a survivor's option can generally be redeemed for par value when the survivor's option is exercised. To confirm that your CD has a survivor's option, click the description of your holding and, on the Bond Details page, locate the row Survivor's Option. Alternatively, if you are considering investing in a New Issue CD, locate the Attributes column and confirm the acronym SO is listed within the Attributes section. The survivor's option must be invoked by the estate All My Life - The Informants (2) - #1 (CD) to any account re-registration or transfer.
For further information on exercising the survivor's option, or to learn more about potential survivor's option limitations of a particular CD issuer, please call Inheritor Services at In some cases, CDs may be purchased on the secondary market at a price that reflects a premium to their principal value.
This premium is ineligible for FDIC insurance. More generally, FDIC insurance limits apply to aggregate amounts on deposit, per account, at each covered institution.
Investors should consider the extent to which other accounts, deposits or accrued interest may exceed applicable FDIC limits. For more information on the FDIC and its insurance coverage, visit www. Learn how to create a CD ladder See how a CD ladder can help you earn more than other cash investments while still affording frequent access to your money. Build a model CD ladder Select from one of our three models 1-year, 2-year, or 5-year to see how you might take advantage of investing in a mix of longer-term and shorter-term CDs.
Is it time to look at CDs? If you've been ignoring your cash holdings, you might be missing opportunities for higher yields. Learn the basics of investing with CD barbells See how a CD barbell can help you mix long-and short-term CDs to help earn higher returns while maintaining frequent access to your All My Life - The Informants (2) - #1 (CD).
For U. Rates are for U. Other conditions may apply; see Fidelity. Please note that markups and markdowns may affect the total cost of the transaction and the total, or "effective," yield of your investment. The offering broker, which may be our affiliate, National Financial Services LLC, may separately mark up or mark down the price of the security and may realize a trading profit or loss on the transaction.
Fixed Income Glossary. It is also a list of the maturity dates on which individual bonds issued as part of a new issue municipal bond offering will mature.
Skip to Main Content. Search fidelity. Investment Products. Why Fidelity. Print Email Email. Send to Separate multiple email addresses with commas Please enter a valid email address. Your email address Please enter a valid email address. Message Optional. Certificates of Deposit CDs Certificates of deposit, or All My Life - The Informants (2) - #1 (CD), are fixed income investments that generally pay a set rate of interest over a fixed time period.
What's a Brokered CD? Advantages Risks. Treasury and CD investments automatically reinvested at maturity. Provide your phone number and we'll call you now. FDIC insurance does not cover market losses. For details on FDIC insurance limits, see www. These offering brokers, including NFS, may separately mark-up All My Life - The Informants (2) - #1 (CD) mark-down the price of the security and may realize a trading profit or loss on the transaction.
Any fixed income security sold or redeemed prior to maturity may be subject to a substantial gain or loss. Your ability to sell a CD on the secondary market is subject to market conditions, All My Life - The Informants (2) - #1 (CD). If your CD has a step rate, the interest rate of your CD may be higher or lower than prevailing market rates. The initial rate on a step rate CD is not the yield to maturity. Also, if the issuer calls the CD, you may be confronted with a less favorable interest rate at which to reinvest your funds.
Image Unavailable Image not available for Color:. See all formats and editions Hide other formats and editions Price. Audio CD —. Register a free business account. Customer reviews. How does Amazon calculate star ratings? The model takes into account factors including the age of a rating, whether the ratings are from verified purchasers, and factors that establish reviewer trustworthiness.
Top Reviews Most recent Top Reviews. There was a problem filtering reviews right now. Please try again later. Verified Purchase. Leps' album "All My Life -the Road" 2 CD is well entitled, since a quick review of his career as a vocalist and composer proves he doesn't remain in one place too long.
As an artist, he has grown musically, being a shanson singer primarily, to incorporating more pop, jazz, and rock styles.
This album discloses in the credits, something you wouldn't see on his YouTube channel, that he actually does quite a bit of his own composing, sometimes just the lyrics, sometimes just the music.
It is an understatement to say that he is one of the most dramatic performers coming out of Russian music today. Now, this album is not his most recent, which this reviewer is anxious to hear, but it's worth having as a collection of songs which has great variety. Leps' career is worth watching as his creative self seems to have no limits.
If you're not that familiar with Leps, and haven't decided which CD's to order, take a Leps collection for a test drive. You may not like all Leps's songs, but you will hear music you wish your local radio station would play.
I play this one in the car, full blast and it is worth the extra trips to the store. I'll go out and pick up a gallon of milk, honey.
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