Bank CD Alternatives

Introducing Market-linked CD

Market-Linked Certificates of Deposit (MLCD) is a savings product offered by banks that tie their returns to a market index, such as the S&P 500. This means the interest you earn depends on how the chosen index performs over time. While your principal is safeguarded, your earnings can vary and may be higher or lower than traditional CDs.

Why Explore This Alternative?

You don’t have to choose between safety and performance. Our specialized strategies focus on downside protection and principal safeguarding, ensuring your original investment remains resilient even when the market dips.

Principal Preservation: Keep your core savings protected from market losses.
Upside Participation: Benefit from market gains without the typical risks.
Tailored Resilience: Custom-fit your portfolio to be as conservative or aggressive.

We offer Market-Linked CDs (MLCD) from the following major Banks: JP Morgan, Goldman Sachs, Morgan Stanley, Bank of America and Citibank.

We identify the most appropriate MLCD options from leading banks, streamlining your investment process and supporting the development of your optimal portfolio.

Discover Your Options

These institutional-grade alternatives offer a unique way to hedge against loss without the standard restrictions of traditional insurance products. Because these are specialized solutions, we provide the details during a brief, one-on-one strategy session.

Stop wondering "what if" and start protecting what you've built.

Click to schedule a 20-minute phone call with a qualified financial professional with no obligation.

Returns are not guaranteed and principal is only guaranteed when held to maturity. Stock market CDs posses inherent risks, such as market and liquidity risks. If purchasers sell their CDs prior to maturity, they may receive more or less than their original investment. Past performance of any indices is not a predictor of future results. CD returns may not track full performance of the indices themselves. May not be suitable for all investors. Investors should carefully read the related term sheet and prospectus and/or disclosure statement before investing. Structured product CDs may be treated differently than traditional CDs for tax purposes and investors should consult their tax advisors. Market Linked CDs (MLCDs) have various risks, including liquidity, market, and interest rate/yield risk, and may not be suitable for every investor.

Market Linked CDs (MLCDs) have various risks, including liquidity, market, and interest rate/yield risk, and may not be suitable for every investor. FDIC-insured up to $250,000 per issuer, per depositor, per account ownership category when held to maturity.