Current Fixed Income Offerings
As of August 31, 2010
For more information on investing in CDs, Corporate Bonds, Treasury Bonds, Agency Bonds and Municipal Bonds, please contact Investrade's Fixed Income Trading Desk at 1-800-498-7120 (press #4) or send an email to bondtrading@investrade.com.*
Issuer Name |
Coupon |
APY |
Coupon |
CD |
Settlement |
Maturity |
Insurance |
Restricted |
Ally Bank IT: Commercial Banks-Western US C: 02004MN82 |
0.95 |
0.952 |
Semi-Annual |
2 Year |
09/03/2010 |
09/04/2012 |
FDIC |
None |
Ally Bank IT: Commercial Banks-Western US C: 02004MN74 |
1.50 |
1.506 |
Semi-Annual |
3 Year |
09/03/2010 |
09/03/2013 |
FDIC |
None |
Ally Bank IT: Commercial Banks-Western US C: 02004MN66 |
1.85 |
1.859 |
Semi-Annual |
4 Year |
09/03/2010 |
09/03/2014 |
FDIC |
None |
Ally Bank IT: Commercial Banks-Western US C: 02004MN58 |
2.05 |
2.061 |
Semi-Annual |
5 Year |
09/03/2010 |
09/03/2015 |
FDIC |
None |
Issuer Name |
Ratings |
Coupon |
Price |
Maturity |
Yield to |
Quantity |
Call Features/ |
Bank of America IT: Diversified Banking C: 06050WDS1 |
Moody’s: A2 S&P: A |
3 ¾ |
100.00 |
9/15/2016 |
3.75 |
1000+ |
Non-Callable Semi-Annual Coupon |
Bank of America IT: Diversified Banking C: 06050WDT9 |
Moody’s: A2 S&P: A |
4 ¾ |
100.00 |
9/15/2019 |
4.75 |
1000+ |
Non-Callable Semi-Annual Coupon |
GE Capital IT: Diversified Financial Services C: 36966R7L4 |
Moody’s: Aa2 S&P: AA+ |
4 |
100.00 |
3/15/2020 |
4.00 |
1000+ |
Non-Callable Semi-Annual Coupon |
Goldman Sachs Group IT: Diversified Banking C: 38141E3E7 |
Moody’s: A1 S&P: A |
3 ½ |
100.00 |
9/15/2016 |
3.50 |
1000+ |
Non-Callable Monthly Coupon |
Goldman Sachs Group IT: Diversified Banking C: 38141E3F4 |
Moody’s: A1 S&P: A |
4 ½ |
100.00 |
9/15/2020 |
4.50 |
1000+ |
Non-Callable Monthly Coupon |
HSBC Finance IT: Finance-Consumer Loans C: 40429XXW1 |
Moody’s: A3 S&P: A |
3.1 |
100.00 |
9/15/2015 |
3.10 |
1000+ |
Non-Callable Semi-Annual Coupon |
* Investrade will not accept any fixed income or trade orders at bondtrading@investrade.com.
For fixed income commission rates and minimums, please click here.
Important Disclosures
Although bonds generally present less short-term risk and volatility than stocks, bonds do entail interest rate risk (as interest rates rise, bond prices usually fall and vice versa) and the risk of default, or the risk that an issuer will be unable to make income or principal payments. Additionally, bonds and short-term investments entail greater inflation risk, or the risk that the return on investment will not keep up with increases in the prices of goods and services, than stocks. In this economic environment, please be aware that bond ratings may change and may affect the value of the bond.
All fixed income products are subject to availability. Investrade Discount Securities makes no investment recommendations and does not provide financial, tax or legal advice. You should seek the advice of your independent financial advisor or tax advisor before making any investment and consider your overall financial status, tax status and investment objectives.
Investrade Discount Securities may act as principal on any fixed income transaction. When acting as principal, Investrade will add a markup to any purchase, and subtract a markdown from every sale. This markup or markdown will be included in the price quoted to you.
CD APY (Annual Percentage Yield) – Investrade Discount Securities lists the payable coupon of the CD and the payment terms (at maturity, semi-annual or monthly). For 1 year or less, the (APY) will be the same as the coupon. For over a year, the (APY) will be slightly higher based on the assumption the investor is reinvesting the coupon payments at a similar rate of return.
Selling CDs Before Maturity – CDs sold prior to maturity are subject to a concession and may be subject to a substantial gain or loss due to interest rate changes. CDs available in the secondary market may not be FDIC insured.
CDs issued by FDIC–insured institutions and held in Investrade Discount Securities accounts are generally insured up to the following limits:
- Up to $250,000 per account owner per institution for depository assets held in non-retirement accounts. On October 3, 2008, certain FDIC insurance coverage limits were temporarily increased from $100,000 to $250,000. These temporary increases will remain in effect until December 31, 2009. Additional information can be found on the FDIC web site. CDs which mature after 12/31/2009 will have the $250,000 coverage up to the 12/31/2009 date. After that the insurance will revert to the $100,000 level.
- Effective 4/1/2006, up to $250,000 per account owner per institution for depository assets held in qualifying retirement accounts such as traditional or Roth IRAs.
All of the new issue brokered CDs Investrade Discount Securities offers are FDIC insured. For more information regarding FDIC coverage, please consult www.fdic.gov.
CD Coverage Limits – FDIC insurance limits apply to aggregate amounts on deposit at each covered institution. Investors should consider the extent to which other accounts, deposits or accrued interest may exceed applicable FDIC limits.
Structured Products - Structure products are subject to market, liquidity, interest rate, and volatility risks. Though a structured product can be issued a ticker symbol and be approved for listing on an exchange, an active and liquid trading market may not develop. Limits or caps in the appreciation of the underlying asset can limit upside appreciation while investors are still exposed to downside risk and can lose part or all of their original investment. Returns of principal may not be obtained if the investment is sold prior to maturity, thus an investor may experience loss of principal. Principal protection and payment at maturity is subject to the credit risk of the issuer. Since structured products are uniquely designed, this type of investment is not suitable for all investors. Investors may lose all or part of their original investments.