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Market-Linked CDs

If you’re looking to protect your principal but would still like to participate in the long-term potential of the stock market, consider adding a market-linked CD (MLCD) to your portfolio.

An MLCD is an FDIC-insured product linked to the performance of one or more securities or market indexes, such as the S&P 500. MLCDs can also be linked to benchmarks, such as the Consumer Price Index.


MLCDs combine the upside potential of the stock market with the security of the traditional CD. Advantages include:

  • FDIC insurance–Your principal is insured to a maximum of $250,000 in aggregate for all deposits per institution for individual depositors and up to $250,000 in aggregate for all deposits per institution held in certain retirement plans and accounts, including IRAs.
  • Protection–Most MLCD issuers offer principal protection. As long as you do not withdraw your funds before the maturity date (normally 5 to 7 years), you are guaranteed to get your principal back.
  • Built-in constraints–Your funds can grow with the market but are locked up in much the same way as a traditional CD, effectively eliminating the temptation to buy and sell.

MLCDs may not be right for everyone. There are early withdrawal penalties, tax implications and possible high-end caps that may limit your potential returns. Talk with a BB&T Investment Services, Inc. Investment Counselor to learn whether MLCDs are well suited to your financial goals.


BB&T Investment Services, Inc. offers a wide range of MLCDs from a select few recognized providers in the industry,1 including:

  • Bank of the West
  • Barclays
  • Harris Bank
  • HSBC

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