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Fixed income investing

Is now a good time for fixed income investments?

Now is a good time for fixed income (or fixed interest) investments, but why? In 2022, core bond markets experienced some of the greatest annual falls in modern history. In some cases, bond prices fell so far that their market price is now well below their face value, creating the potential for attractive long-term total returns.

With signs inflation is peaking, and suggestions that interest rates will not rise much further, our investment management experts believe the outlook for fixed income markets has improved, meaning you could well make a capital gain or profit from any future recovery.

  

Book a free consultation

Arrange a no-obligation, complimentary consultation with one of our fixed income investing specialists

Request a consultation

  

How can I invest in fixed income?

Fixed income investments are an important part of any investment strategy. Depending on your situation and financial goals, our Investment Managers can consider the best approach for you from our range of options below.

Gilt Portfolio Service

If you would like a better rate of return than from a traditional UK bank or building society, our Gilt Portfolio Service offers tax-efficient fixed interest investing through a fully tailored discretionary portfolio of UK short-dated gilts. The service is highly flexible, as we select individual gilts – as many or as few as you need – with maturity dates that match your short-term goals and plans.

Read our brochure

Diversified investment portfolio

Your personal Investment Manager can include fixed income investments as part of a diversified investment portfolio, alongside other asset classes such as equities and alternatives, to help reduce the volatility of returns (and in turn, the risk).

Fixed Interest Portfolio Service

Our Fixed Interest Portfolio Service invests in a broadly balanced range of fixed interest funds. By blending these funds, it aims to achieve a net return of 5% per annum that will help to protect you against inflation over the medium term (five years or more).

Read our brochure

Fixed income portfolio

Your personal Investment Manager could build a tailored portfolio of fixed income investments that is exactly suited to your needs and feelings about risk, as well as your preference for investing in sterling, US dollars or euros.

  

Why choose Canaccord Genuity Wealth Management for fixed income investments

We have been running fixed income portfolios for many years with our tried and tested process and investment philosophy. Our fixed income investment team have decades of collective experience investing in fixed income markets.

  • Our global and flexible approach enables you to take advantage of fixed income investments from many different markets around the world
  • We work hard to create predictable returns and mitigate risks for you
  • You benefit from our extensive research and superb insight into fixed income markets and opportunities.

However you choose to invest in fixed income, you will have direct access to your own CGWM Investment Manager, who’ll keep you updated on a regular basis.

  

Webinar: why now could be a great time to invest in fixed income

In an exclusive webinar recorded on 2 March, Thomas Becket from our Chief Investment Office met with Mark Holman from TwentyFour Asset Management to discuss why fixed income investing could be an attractive alternative right now.

Watch the webinar here

  

Fixed income investing – your questions answered

Fixed income or fixed interest investments relate to instruments issued by governments or corporates as an effective way for them to borrow money – i.e. they are a source of credit. They are designed to be a lower-risk way to generate a set amount of annual income.

 

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Fixed income investments include:

  • Government bonds – government issued debt with a set redemption date and fixed interest. Sometimes referred to as ‘sovereign debt’ internationally or as ‘gilts’ in the UK
  • Corporate bonds – loans issued by corporate entities with solid balance sheets. Investors receive annual payments (coupons) and get their capital back at the end of the investment term (as long as the company does not default)
  • International corporate bonds – debt issued internationally, offering attractive long-term opportunities.

Yes, fixed income investments are considered to be lower risk than many other forms of investment.

Bonds, historically have a low correlation to equity performance so can help to provide a more stable income stream in times of volatility. While fixed income investments aren’t without risk, our specialists mitigate risk further by selecting good quality fixed income funds and short-dated bonds.

How much you invest in fixed income depends on your individual circumstances and financial goals. Our Investment Managers can recommend the best way forward for you based on your situation. For our Fixed Interest Portfolio Service, there is a minimum investment of £50,000.

  

Book a free consultation

Arrange a no-obligation, complimentary consultation with one of our fixed income investing specialists

Request a consultation

Investment involves risk. The value of investments and the income from them can go down as well as up and investors may not get back the amount originally invested. Past performance is not a reliable indicator of future performance.

Our Fixed Interest Portfolio Service is designed to work over a typical investment cycle of five years or more, so we recommend you stay invested for at least five years.

The information provided is not to be treated as specific advice. It has no regard for the specific investment objectives, financial situation or needs of any specific person or entity.

 

Book a free consultation with a fixed income investment advisor

  

Typically, we work with clients who have over £250,000 of investable assets. If you’re looking for services at lower levels of investment, we may have other options available.

By providing your email address and phone number you agree to be contacted to book a free consultation:

Click here to read our privacy policy.

  

What happens next?

1. Arranging an initial consultation

First you can expect to receive an email from our team within 48 hours to find a suitable time that works for you, to arrange a voice or video call for an initial consultation.

2. Your consultation 

During this consultation, a member of the team will discuss your situation with you to understand your requirements and answer any questions you might have about Canaccord Genuity Wealth Management and the services that we provide.

3. Referral to a Wealth Planner or Investment Manager

If you decide to progress with us, you will be referred to one of our Wealth Planners or Investment Managers to discuss your situation and requirements in more detail. They will then design a bespoke proposal detailing a unique investment portfolio that matches your individual requirements and attitude to risk, to meet you and your family’s needs.

4. Working with you long-term

With our wealth planning and investment management professionals, your wealth is in expert hands. Our mission is simple - to help you build your wealth with confidence. We will always keep you informed about your investment portfolio and performance and will continue to work with you to build our relationship on your terms. We can meet with you face-to-face, by phone or by email, whichever is more convenient for you. You can also access your account online at any time through our app. Our wealth management professionals are always readily available to speak with you.

 

Keeping you informed

Catch up on the FTWeekend Festival highlights

Earlier this month, our experts Tom Becket, from the Chief Investment Office, and David Goodfellow, Head of Financial Planning, took to the stage to represent CGWM at the FTWeekend Festival.

Read more
Diversification in investing? Go global

Our Chief Investment Officer, Michel Perera, discusses the importance of diversifying your portfolio and where opportunities may arise.

Read more

Wealth management updates

See all blog posts

Photo of Roy Clouse

Roy Clouse

Senior Investment Director

I have been advising clients and managing multi-asset portfolios in the UK and globally since 1987 having worked at Prudential-Bache Securities, Raymond James Investment Management and Eden Financial before moving to CGWM in 2003. I am the Chairman of the US Investor Services Committee which oversees our investment offering to those individuals who are required to file a US tax return. I am also the Chairman of our Fixed Income Credit Committee which oversees the approval and monitoring of direct corporate bond issues approved for client portfolios.

I primarily manage diversified discretionary portfolios for UK and US high net worth clients with a global perspective. Specialist areas include direct fixed income investing which includes corporate and sovereign bond issuers and managing US compliant portfolios for US citizens.


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Tony Tharian

Investment Director

Tony has over 30 years of experience trading in diverse financial instruments and managing private client relationships, holding investment management positions at Dean Witter Reynolds, Lehman Brothers, Prudential Bache, Raymond James, Eden Financial and Canaccord Genuity Wealth Management. Over his career, he has been responsible for advising International HNW clients, Private Wealth Offices and Private Banks on investment portfolios and strategies on asset allocation, portfolio construction, corporate bonds, equities, ETFs, alternative investments and capital market products. He focuses on the macro-economic outlook and structuring portfolios with geographical asset allocation. He is member of the Fixed Income Selection Committee and US Investment Committee at CGWM.


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Photo of Matthew Ellis

Matthew Ellis

Investment Director

Matthew specialises in providing discretionary and advisory services for fixed interest and multi-asset portfolios to high net worth individuals, trusts, charities and pension funds. Matthew previously served as a sector specialist on the stock selection committee and now sits on the advisory fixed income committee. Matthew is a member of the Chartered Institute for Securities & Investment.


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Investment involves risk and you may not get back what you invest. It’s not suitable for everyone.

Investment involves risk and is not suitable for everyone.