Market-Linked CDs

Do you have, or have you had money in your local banks CD or money market account?

You probably like the fact that these accounts are FDIC insured, and the principle is protected if held to

maturity.

If you are like others, you don't like the fact the returns on these is very low.

There is an alternative. It is the Market-Linked CD which is 100% principal-protected (if held to maturity)

and FDIC insured. Unlike a traditional CD, it offers the opportunity to earn far more than the low

interest rates your local bank is paying.

WHAT IS A MARKET-LINKED CD

A market-Linked CD combines the upside potential of investing in the financial markets, while providing

the safety of protecting your principal from lose, if held to maturity. The performance is based on the

underlying basket of securities, these securities can be stocks, commodities, currencies, market indices,

etc.

M-L CDs pay interest annually based on the performance of the underlying securities. The taxation of

interest payments depends on whether the product is in a qualified account, such as IRA, or not. If

inside an IRA the interest is not table until withdrawn from the account. If not in a qualified account, it

could be taxable immediately. (As with an taxation question, you should consult your tax advisor.)

If you are frustrated with your CD rates, give me a call Rick Plata at (888) 235-8060, or email me

at advisorrick@msn.com for current offerings.