Market Exposure
with CD-Level Protection
Market-Linked CDs combine traditional CD features with structured market-based return potential.
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Market Exposure
with CD-Level Protection
Market-Linked CDs combine traditional CD features with structured market-based return potential.
Scroll to Explore
ABOUT MLCDs
What Are
Market-Linked CDs?
What Are
Market-Linked CDs?
Market-Linked CDs (MLCDs) are FDIC-insured certificates of deposit whose returns are linked to the performance of an underlying asset or group of assets. These may include equity indices, commodities, currencies, or interest rates. MLCDs offer a variety of structures that allow investors to align market exposure with specific objectives.
Market Outlook
Positioning
Market Outlook Positioning
Market Outlook Positioning
Capitalize on a market view (bullish, bearish, or market-neutral)
Objective-Based
Investing
Objective-Based Investing
Objective-Based Investing
Complement different investment objectives (conservative, moderate, or aggressive)
Targeted Market
Exposure
Understand their strategy
Understand their strategy
Gain exposure to a specific asset class or sector
Portfolio Risk
Management
Move toward their goals with confidence
Move toward their goals with confidence
Help mitigate overall portfolio risk
WHY MARKET-LINKED CDs?
WHY MARKET-LINKED CDs?
Market-Linked CDs are designed to give investors exposure to the performance of an underlying asset while preserving key features of a traditional certificate of deposit. When purchased at par and held to maturity, MLCDs generally provide 100% principal protection through FDIC insurance, subject to applicable limits. This structure allows investors to pursue market-linked returns with a defined level of capital preservation.
Key Considerations:
Participation in the performance of an underlying asset or index
Participation in the performance of an underlying asset or index
Participation in the performance of an underlying asset or index
Participation in the performance of an underlying asset or index
FDIC-insured principal protection at maturity (subject to limits)
FDIC-insured principal protection at maturity (subject to limits)
FDIC-insured principal protection at maturity (subject to limits)
FDIC-insured principal protection at maturity (subject to limits)
Returns typically limited to a defined percentage of asset performance
Returns typically limited to a defined percentage of asset performance
Returns typically limited to a defined percentage of asset performance
Returns typically limited to a defined percentage of asset performance
Potential return caps depending on the specific structure
Potential return caps depending on the specific structure
Potential return caps depending on the specific structure
Potential return caps depending on the specific structure
The team at Claro Advisors has extensive experience with structured investments and can serve as a resource for investors seeking education, access, and guidance. If you’d like to speak with a member of our team, we’re here to help.
The team at Claro Advisors has extensive experience with structured investments and can serve as a resource for investors seeking education, access, and guidance. If you’d like to speak with a member of our team, we’re here to help.
Want To Learn More?
Learn how structured notes are used and whether they may align with your investment objectives.
Disclaimer
Claro Advisors, Inc. ("Claro") is a Registered Investment Advisor with the U.S. Securities and Exchange Commission ("SEC") based in the Commonwealth of Massachusetts. Registration of an Investment Advisor does not imply any specific level of skill or training. Information contained herein is for educational purposes only and is not to be considered investment advice. Claro provides individualized advice only after obtaining all necessary background information from a client.
FIDELITY INSTITUTIONALSM
Fidelity INSTITUTIONALSM provides a comprehensive clearing and custody platform, brokerage services, trading capabilities, and practice management and consulting to registered investment advisors (RIAs),including strategic acquirers and professional asset managers, as well as retirement recordkeepers, dealer firms, banks, and insurance companies through National Financial Services LLC (NFS) or Fidelity Brokerage Services LLC, Members NYSE, SIPC. In addition to providing services to third-party institutions, the NFS brokerage platform supports all the clearing and custody businesses at Fidelity, including Fidelity’s retail and capital markets businesses, bringing NFS assets under administration to more than $4 trillion.
Fidelity Investments and National Financial Services LLC (together "Fidelity") is an independent company, unaffiliated with Claro Advisors, Inc. ("Claro"). Fidelity is a service provider to Claro. There is no form of legal partnership, agency affiliation, or similar relationship between your financial advisor and Fidelity, nor is such a relationship created or implied by the information herein. Fidelity has not been involved with the preparation of the content supplied by Claro and does not guarantee, or assume any responsibility for its content. Fidelity is a registered trademark of FMR, LLC. Fidelity Institutional SM provides clearing, custody, or other brokerage services through National Financial Services LLC or Fidelity Brokerage Services LLC. Members NYSE, SIPC 94406210
For all Market-Linked Products, excluding Market-Linked CDs, the following applies: Not FDIC insured // Not bank guaranteed // May lose value // Not a bank deposit // Not insured by any government agency
©2025 by Claro Advisors, Inc. All rights reserved.
Want To Learn More?
Learn how structured notes are used and whether they may align with your investment objectives.
Disclaimer
Claro Advisors, Inc. ("Claro") is a Registered Investment Advisor with the U.S. Securities and Exchange Commission ("SEC") based in the Commonwealth of Massachusetts. Registration of an Investment Advisor does not imply any specific level of skill or training. Information contained herein is for educational purposes only and is not to be considered investment advice. Claro provides individualized advice only after obtaining all necessary background information from a client.
FIDELITY INSTITUTIONALSM
Fidelity INSTITUTIONALSM provides a comprehensive clearing and custody platform, brokerage services, trading capabilities, and practice management and consulting to registered investment advisors (RIAs),including strategic acquirers and professional asset managers, as well as retirement recordkeepers, dealer firms, banks, and insurance companies through National Financial Services LLC (NFS) or Fidelity Brokerage Services LLC, Members NYSE, SIPC. In addition to providing services to third-party institutions, the NFS brokerage platform supports all the clearing and custody businesses at Fidelity, including Fidelity’s retail and capital markets businesses, bringing NFS assets under administration to more than $4 trillion.
Fidelity Investments and National Financial Services LLC (together "Fidelity") is an independent company, unaffiliated with Claro Advisors, Inc. ("Claro"). Fidelity is a service provider to Claro. There is no form of legal partnership, agency affiliation, or similar relationship between your financial advisor and Fidelity, nor is such a relationship created or implied by the information herein. Fidelity has not been involved with the preparation of the content supplied by Claro and does not guarantee, or assume any responsibility for its content. Fidelity is a registered trademark of FMR, LLC. Fidelity Institutional SM provides clearing, custody, or other brokerage services through National Financial Services LLC or Fidelity Brokerage Services LLC. Members NYSE, SIPC 94406210
For all Market-Linked Products, excluding Market-Linked CDs, the following applies: Not FDIC insured // Not bank guaranteed // May lose value // Not a bank deposit // Not insured by any government agency
©2025 by Claro Advisors, Inc. All rights reserved.
Want To Learn More?
Learn how structured notes are used and whether they may align with your investment objectives.
Disclaimer
Claro Advisors, Inc. ("Claro") is a Registered Investment Advisor with the U.S. Securities and Exchange Commission ("SEC") based in the Commonwealth of Massachusetts. Registration of an Investment Advisor does not imply any specific level of skill or training. Information contained herein is for educational purposes only and is not to be considered investment advice. Claro provides individualized advice only after obtaining all necessary background information from a client.
FIDELITY INSTITUTIONALSM
Fidelity INSTITUTIONALSM provides a comprehensive clearing and custody platform, brokerage services, trading capabilities, and practice management and consulting to registered investment advisors (RIAs),including strategic acquirers and professional asset managers, as well as retirement recordkeepers, dealer firms, banks, and insurance companies through National Financial Services LLC (NFS) or Fidelity Brokerage Services LLC, Members NYSE, SIPC. In addition to providing services to third-party institutions, the NFS brokerage platform supports all the clearing and custody businesses at Fidelity, including Fidelity’s retail and capital markets businesses, bringing NFS assets under administration to more than $4 trillion.
Fidelity Investments and National Financial Services LLC (together "Fidelity") is an independent company, unaffiliated with Claro Advisors, Inc. ("Claro"). Fidelity is a service provider to Claro. There is no form of legal partnership, agency affiliation, or similar relationship between your financial advisor and Fidelity, nor is such a relationship created or implied by the information herein. Fidelity has not been involved with the preparation of the content supplied by Claro and does not guarantee, or assume any responsibility for its content. Fidelity is a registered trademark of FMR, LLC. Fidelity Institutional SM provides clearing, custody, or other brokerage services through National Financial Services LLC or Fidelity Brokerage Services LLC. Members NYSE, SIPC 94406210
For all Market-Linked Products, excluding Market-Linked CDs, the following applies: Not FDIC insured // Not bank guaranteed // May lose value // Not a bank deposit // Not insured by any government agency
©2025 by Claro Advisors, Inc. All rights reserved.
Want To Learn More?
Learn how structured notes are used and whether they may align with your investment objectives.
Disclaimer
Claro Advisors, Inc. ("Claro") is a Registered Investment Advisor with the U.S. Securities and Exchange Commission ("SEC") based in the Commonwealth of Massachusetts. Registration of an Investment Advisor does not imply any specific level of skill or training. Information contained herein is for educational purposes only and is not to be considered investment advice. Claro provides individualized advice only after obtaining all necessary background information from a client.
FIDELITY INSTITUTIONALSM
Fidelity INSTITUTIONALSM provides a comprehensive clearing and custody platform, brokerage services, trading capabilities, and practice management and consulting to registered investment advisors (RIAs),including strategic acquirers and professional asset managers, as well as retirement recordkeepers, dealer firms, banks, and insurance companies through National Financial Services LLC (NFS) or Fidelity Brokerage Services LLC, Members NYSE, SIPC. In addition to providing services to third-party institutions, the NFS brokerage platform supports all the clearing and custody businesses at Fidelity, including Fidelity’s retail and capital markets businesses, bringing NFS assets under administration to more than $4 trillion.
Fidelity Investments and National Financial Services LLC (together "Fidelity") is an independent company, unaffiliated with Claro Advisors, Inc. ("Claro"). Fidelity is a service provider to Claro. There is no form of legal partnership, agency affiliation, or similar relationship between your financial advisor and Fidelity, nor is such a relationship created or implied by the information herein. Fidelity has not been involved with the preparation of the content supplied by Claro and does not guarantee, or assume any responsibility for its content. Fidelity is a registered trademark of FMR, LLC. Fidelity Institutional SM provides clearing, custody, or other brokerage services through National Financial Services LLC or Fidelity Brokerage Services LLC. Members NYSE, SIPC 94406210
For all Market-Linked Products, excluding Market-Linked CDs, the following applies: Not FDIC insured // Not bank guaranteed // May lose value // Not a bank deposit // Not insured by any government agency
©2025 by Claro Advisors, Inc. All rights reserved.