Fixed Rate Investments
Stable Returns. Simple Terms.
Explore fixed-term investment options built to provide consistent income and greater certainty.
Apply online in minutes and manage everything easily through your client dashboard.
Why Choose Fixed Rate with Us
Fixed Terms
Every investment has a set period and a clearly defined repayment date for your capital.
Consistent Income
Receive regular interest payments at scheduled intervals based on your selected term.
Clear Structure
All conditions are explained upfront, with no hidden charges or unexpected fees.
Secure Selection
Our fixed-rate opportunities are chosen for reliability and long-term stability.
Why Investors Choose Us
Our fixed-term solutions are built on discipline, trust, and access. We combine the strength of institutional-quality opportunities with the transparency and dedicated service of a focused investment partner.
Institutional Access
We source and structure high-quality fixed-income opportunities directly from established issuers and partners. This allows our clients to access investment options typically available to large institutions, with clear terms and defined returns.
Governance and Oversight
Each fixed-term opportunity is subject to thorough due diligence and credit assessment. We work with regulated custodians and reputable issuers to ensure strong standards of security, transparency, and documentation.
Precision Execution
Our team oversees each investment from subscription through to maturity, ensuring a smooth and efficient process. Clients receive clear updates, simple documentation, and full visibility of key terms before committing funds.
Our Approach
How Fixed-Term Bonds Support Your Plan
We emphasise clarity with defined maturities, payment schedules, and minimum investment levels you can plan around. Select the term and income structure that matches your goals and investment timeline.
What To Expect
Simple, Clear, Structured
Fixed term with a predetermined maturity date.
Regular coupon payments at set intervals.
Minimum investment levels clearly stated upfront.
No additional fees on interest payments.
Get Started
Open your account, choose your preferred term, and confirm the expected rate and funding amount with your dedicated account manager.
Current Bond Opportunities
Corporate Bond
JPMorgan Chase & Co.
USD-denominated fixed-rate corporate bond from JPMorgan Chase & Co., providing quarterly income and full capital repayment at maturity.
8.75
%p.a.
Coupon frequency: Quarterly
Minimum investment: €25,000
Maturity date: 01/09/2030
ISIN: US06423AAJ25
Corporate Bond
Barclays Bank PLC
USD-denominated fixed-rate bond issued by Barclays Bank PLC, paying bi-annual interest with principal returned at maturity.
9.625
%p.a.
Coupon frequency: Bi-annual
Minimum investment: €25,000
Maturity date: 22/11/2049
ISIN: US06738ECN31
FAQs
Fixed-Income FAQs
A fixed-income investment offers steady returns through scheduled interest payments and repayment of principal at maturity. These products are commonly issued as bonds or notes by established and regulated institutions.
Minimum investment levels depend on the specific bond but generally start from €25,000. Your account manager will confirm the exact requirement and available denominations before any allocation.
Interest, often referred to as coupon payments, is paid at fixed intervals — usually every three or six months, based on the bond’s payment schedule.
Fixed-income investments are issued by regulated entities, with assets held in segregated custody to support transparency and investor protection. Additional regulatory safeguards may apply based on the issuer’s jurisdiction.
Fixed-term bonds are intended to be held until maturity to maintain capital and income benefits. Early exit is typically limited and may only be possible in certain market conditions or through secondary sale options.
You can check your holdings, upcoming interest payments, and transaction history through the Richmond Terrace Capital client portal. The dashboard gives real-time access to key details such as payment schedules, maturity dates, and account documents.
At maturity, your initial investment is returned to your designated account together with any final interest payment, subject to the issuer fulfilling its obligations.