3 Ultra-Safe Fixed Income ETFs That Can Double the Average CD Rate
2026-02-25 07:35:00 ET
Many savers turn to certificates of deposit (CDs) for income, but those can come with some drawbacks. Sure, your principal is FDIC-insured, and your interest rate is locked in. So there's a predictability and safety with CDs that you can't find in other segments of the fixed income market.
The trade-off for that is usually a lower yield. The national average rate for a 12-month CD is somewhere between 1.5% and 1.6%. You can find higher yields than that in some places, but they may come with high minimums, penalties , or fees.
The ETF marketplace solves a lot of those hang-ups. The variety of offerings in the fixed income space means you can easily find low-risk funds with yields of up to 4% or more that come with minimums or lock-in periods. The only thing that these ETFs don't come with is FDIC insurance.
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