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Fidelity’s Broad Range of Choices
Recent events in the market have sent many investors looking for conservative investments with the potential for lower volatility. Fidelity can help.
Fidelity offers a range of securities issued by the U.S. Treasury. Choose between auction/new issues and secondary market opportunities.
Fidelity also offers FDIC–insured Certificates of Deposit. Choose the term that is right for you, from an inventory of original issue¹ or secondary market certificates.
Another option from Fidelity is securities issued by Government Agencies. Agency/GSE bonds are securities from Government Sponsored Entities such as Fannie Mae, Freddie Mac and the Federal Home Loan Banks².
If liquidity is a goal, consider U.S. Government Money Market Funds, which normally invest most of their assets in Government Agency debt, as well as repurchase agreements involving those securities.
- Fidelity U.S. Government Reserves FGRXX ($2,500)
- Fidelity Government Money Market Fund SPAXX ($25,000)
- Fidelity Institutional Money Market: Government Portfolio Class I FIGXX ($1 million)
General Purpose Money Market Funds may invest in securities of corporations as well as government entities.
- Fidelity Cash Reserves FDRXX ($2,500)
- Select Money Market Portfolio FSLXX ($2,500)
- Fidelity Money Market Fund SPRXX ($25,000)
- Fidelity Institutional Money Market: Prime Money Market Portfolio – CL I FIDXX ($1 million)
- Fidelity Institutional Money Market: Money Market Portfolio — Class I FMPXX ($1 million)
- Fidelity Institutional Money Market: Prime Money Market Portfolio – Institutional Class FIPXX ($10 million)
- Fidelity Institutional Money Market: Money Market Portfolio – Institutional Class FNSXX ($10 million)
Review all Fidelity money market funds.
An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the fund.
In general, the bond market is volatile, and bond prices rise when interest rates fall and vice versa.
This effect is usually pronounced for longer–term securities.
Any fixed income security sold or redeemed prior to maturity may be subject to a substantial gain or loss.
Before investing, consider the fund's investment objectives, risks, charges, and expenses. Contact Fidelity for a prospectus containing this information. Read it carefully.
¹Any fixed income security sold or redeemed prior to maturity may be subject to a substantial gain or loss. If sold prior to maturity, CD’s may be sold on the secondary market subject to market conditions. If your CD has a step rate, the interest rate of your CD may be higher or lower than prevailing market rates. Step rate CDs are also subject to secondary market risk and often will include a call provision by the issuer that would subject you to reinvestment risk. The initial rate is not the yield to maturity. 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.
²It is important to note that unlike U.S. Treasury securities, Government Agency securities are not backed by the full faith and credit of the U.S. Government.
