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Retirement, investments, financial planning for every stage of life—learn about it all here at Invested,
a blog from your Wealth Management Advisors at Kirtland Financial Services.

Investing With Security—Meet The Market-Linked CD

By Kirtland Financial Services

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Investing is risky! Right?

You have many options for investing your money, each with a different potential for risk and return. Many options offer the potential for higher returns but pose a risk to your principal balance. Other investing options, such as the Market-Linked Certificate of Deposit (CD), offer an alternative path for potentially growing your money.

Kirtland Financial Services can help you invest in several different ways—now including Market-Linked CDs.

A market-linked CD offers the same type of security for your principal investment as a traditional certificate of deposit but with the potential to earn more than investing in a traditional bank CD.

Who might consider a Market-Linked CD?

  • Anyone who has suffered market losses in the past and is hesitant to risk principal again.
  • Anyone who wants to grow their money beyond the constraints of traditional savings methods.
  • Retirees and others who are in risk-averse situations.

Are Market-Linked CDs insured?

Yes, Market-Linked CDs carry federal deposit insurance administered by the Federal Deposit Insurance Corporation (FDIC) and are backed by the full faith and credit of the US Government up to a maximum amount for all deposits held in the same legal capacity per depository institution. In general, the FDIC feature guarantees principal of, and any accrued interest on, the Market-Linked CDs up to $250,000 if held to maturity.

Anything else I should know?

Market-Linked CDs are highly versatile instruments that may fit a variety of market outlooks and may hedge a variety of existing positions.

They also offer an estate feature known as a “death put” or “survivor’s option”—a benefit that may be appealing to investors concerned about their estate because their beneficiaries may be able to redeem the Market-Linked CD at par, without interest, before maturity upon death or adjudication of incompetence, subject to the terms and limitations of the issuer.

The Wealth Management Advisors at Kirtland Financial Services are ready to discuss the ins and outs of Market-Linked CDs as a possible investment option as part of your overall financial strategy.

Let the team at Kirtland Financial Services help you focus your goals and make an investment plan that’s right for you and your situation.

Principal protection is the return of an investor’s initial principal amount if held to maturity. MLCDs should be purchased with the intention of holding until maturity. Some MLCDs may offer an early redemption opportunity, allowing holders the option to redeem prior to maturity. Generally, MLCDs held to maturity are entitled to full return of the principal amount invested. A secondary market for the MLCDs may develop, although there is no guarantee that any person will maintain a secondary market. The value of the MLCD sold prior to maturity in the secondary market will be subject to the prevailing marketing conditions and may include a transaction charge. The sale proceeds may be less or more than the original purchase amount paid. Market-Linked CDs are FDIC insured up to the FDIC limits. Any amount that exceeds the FDIC limits is subject to the credit and claims paying ability of the issuer. 

Subject to particular offering documentation. Participation in any underlying or linked product is subject to certain caps and restrictions. There is no guarantee of return above principal.

Return of principal is subject to the credit risk of the issuer.

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If you have access issues, CONTACT KIRTLAND FINANCIAL SERVICES.

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