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Broaden your portfolio with CDs & bonds

Our extensive online selection of fixed income investments can help you find certificates of deposit (CDs) or bonds that meet your financial objectives.

Are CDs right for you?

A CD is an interest-bearing certificate commonly offered by banks, savings and loans, and credit unions to raise money for their business activities. You deposit money with the issuer for a set time, and the issuer promises to repay you at a specified interest rate.

You may want to consider investing in CDs if:

  • You're saving for a short-term goal, such as buying a house, in the next 2 to 5 years.
  • You want a low-risk place to park cash you don't plan to use right away.
  • You like the safety of knowing your investment is insured by the federal government.
  • You're looking for higher yields than you'd get with bank accounts and money market funds.

Are bonds right for you?

Bonds are simply loans you make to a government, government agency, or corporation to finance projects and other needs. The bond issuer agrees to repay you at a fixed interest rate by a specified date, or maturity.

You may want to consider investing in bonds if:

  • You want to focus on a specific credit quality or maturity.
  • You'd like exposure to certain state or corporate issuers or to certain industries.
  • You're looking for income that's free from federal, state, and local taxes, or the alternative minimum tax.
  • You want to complement the mutual funds in your portfolio.

Manage your portfolio in one place to see the big picture

The convenience of holding your entire portfolio with Vanguard Brokerage allows you to benefit from the breadth of services we provide.

Handpick your fixed income investments

Our website offers valuable resources to help you find the right investments—or one of our experienced specialists will be happy to assist you.

Buy CDs & bonds

Research is complete. Selections are made. Now you can buy and sell fixed income investments on our website.

Open or transfer accounts

Have CDs or bonds somewhere else?

We're here to help

If you're new to Vanguard:

Call 800-252-9578

Monday through Friday
8 a.m. to 8 p.m., Eastern time

If you're already a Vanguard client:

Call 800-888-3751

Monday through Friday
8 a.m. to 10 p.m., Eastern time

REFERENCE CONTENT

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Credit quality

A measure of a bond issuer's ability to repay interest and principal in a timely manner.

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Maturity

The date when the issuer of a certificate of deposit (CD) or bond agrees to repay the principal, or face value, to the buyer.

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Alternative minimum tax (AMT)

A separate tax system to ensure that wealthy individuals and organizations pay at least a minimum amount of federal income taxes. Certain securities used to fund private, for-profit activities are subject to the AMT.

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Fixed income investments

Investments, such as bonds, that offer returns in the form of interest payments.

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