Personal Finance
Personal Finance
Fixed Income Investments

Typically more conservative than equity investments, fixed income securities, such as bonds may offer a higher level of stability and can provide a steady stream of monthly or quarterly income. PNC Investments offerings include money market mutual funds, municipal bonds, and government and corporate securities.

Fixed income securities are debt instruments issued by local, regional and state governments and corporations. They are essentially "IOUs," or promises by the borrower to make periodic interest payments to the lender and to repay the loan in full on a specific date in the future.

Fixed income securities typically generate a steady stream of income and can be an integral part of your investment portfolio depending on your financial goals. Contact a PNC Investments Financial Advisor to help you determine if fixed income securities would benefit your portfolio.

Use the guidelines below as a starting point for fixed-income security selection.

What do you need to do? Things to Consider Product
Pay monthly bills, like rent, mortgage and medical bills; maintain cash on hand for emergencies; keep cash invested while assessing investment strategy
  • Supports short-term funding needs
  • Highly liquid securities with easy access
Money Market Funds
Reduce federal, state and local tax bite; generate a steady stream of income; create a diversified fixed-income portfolio for investment and/or retirement; fund a child or grandchild's education
  • Income is exempt from federal income tax
  • Income is exempt from state and local taxes (state residents of municipality)
  • Wide range of maturities and credit ratings
  • Invest in specific projects of personal interest
  • Good for longer-term investing
Municipal Bonds
Generate a steady stream of income; reduce taxes; build a portfolio across maturities; create a conservative investment or retirement portfolio; save to purchase a house; fund a child or grandchild's education
  • Securities span entire yield curve
  • Lower risk investment
  • Income is exempt from state and local taxes
  • Good for long-term, medium-term and short-term investing (T-bills,Treasury and Agency bonds and notes)
Government Securities
Generate a steady stream of high income; build a less conservative investment or retirement portfolio; fund an early retirement
  • Higher yields, higher risk
  • Higher potential for capital appreciation
  • Good for longer-term investing
Municipal Bonds Corporate Securities



Important Investor Information: Brokerage and insurance products are:



Securities and brokerage services are provided by PNC Investments LLC, a registered broker-dealer and investment adviser and member FINRA, and SIPC. Annuities and other insurance products are offered by PNC Insurance Services LLC, a licensed insurance agency.