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For Investors

Many investors would like to combine the safety and security of a traditional CD with a potential return that is tied to the performance of the market without direct market risk. Market-Linked CDs provide investors with 100% principal protection when held to maturity. Investors are protected against the loss of principal if the market goes down, while generating potentially positive interest linked to the underlying asset(s).

Investor Benefits

How to Invest


About the Dow Jones Industrial Average

Number of Companies Comprising Index 30
Wide Recogition, Blue-Chip Composition & Diversification Accounts for more than 25% of the investable U.S. market as measured by Dow Jones U.S. Total Market Index
Symbol DJIA
Weighting Scheme Price weighted (most other indexes' weightings are affected by both price changes and changes in the number of shares outstanding)
Review Frequency As Needed (usually only after corporate acquisitions or other important shifts in a company's core business)
Inception of Index May 26, 1896
3M Company IBM Corporation
Alcoa Inc. Intel Corporation
American Express Johnson & Johnson
AT&T Inc. JP Morgan Chase
Bank of America Corporation McDonald's Corporation
The Boeing Company Merck & Co, Inc.
Caterpillar Inc. Microsoft Corporation
Chevron Corporation Pfizer, Inc.
Cisco Systems Inc. Proctor & Gamble
Coca Cola The Travelers Companies, Inc.
E.I. DuPont de Nemours & Co. UnitedHealth Group Inc.
Exxon Mobil Corporation United Technologies Corporation
General Electric Verizon Communications Inc.
Hewlett Packard Wal-Mart Stores, Inc.
The Home Depot, Inc. Walt Disney

100% Principal Protection when held to maturity

Why the Dow?

Performance: Long-term historical performance highly correlated with the S&P 500

Name Recognition: Widely recognized, the Dow has been continuously published since 1896.

Familiarity of Components: Comprised of blue chip companies

Diversification: Unsystematic risk is reduced with 30 companies spread among industries

Convenience and Cost Savings: Provides the diversification investors need