Typical “fixed-income” options, such as US Savings Bonds, Money Market accounts, CDs (Certificates of Deposit), and traditional Savings accounts, are cashed in, not traded, thus avoiding the risk of selling at a loss,and also the potential benefit of being able to sell for a capital gain.Actually, if you have a CD that has a penalty of 1 year's interest, your loss from cashing it early will pretty much always be greater than the loss a trader would sustain by selling it (since he would sell it long before interest rates would make cashing it in necessary).
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