UK businesses issue bonds, a debt instrument, to raise capital directly from investors; this effectively ‘takes the banks out of the process’, allowing companies to offer high interest rates directly to investors.
Most bonds being offered right now are with UK high street banks and are showing an average return of 6%
Capital Returns were established to introduce savers to the very best products which normally are excluded from most investors portfolio’s.
Currently Banks with their in-house retail offers paying less than or just over base rate is what most savers would consider.
Banks will often not introduce savers to higher rated products, so that they can get away with offering lower rates and if the products are not in-house there is no motive to introduce you to them.
The high Street banks would rather use your capital to make a decent return of 10-15% and pay feeble rates of 0.7-0.9% to the investor.
Many investors look to bonds as guaranteed security away from the stockmarket, but are still aware of making sure their money is performing ahead of inflation. Investors want to make sure that time Is used effectively as time is as valuable as the benefit you receive from an investment.
There are many highly rated fixed income products paying above average rates that most savers will just not know about or have immediate access to.
These income products are from various institutions which have a history of consistent returns and security.
Capital-Returns will show you where you can gain access to these regulated market fixed income products.
Capital Returns was formed by 5 financial advisors with a combined 90 years’ experience within the financial services and investment world. They were tired of the investment world, where they felt normal people were being priced out of the market and were not receiving suitable investment opportunities.
Capital Returns approach is very simple – we source bespoke investment houses looking to take on new clients and put you the investor in direct contact.
These companies will offer you best-of-breed, capital protected and asset backed investments. These investments are designed to be transparent and provide you the client with a unique investment opportunity with UK regulated, high street bond offerings which also have full FSCS guarantees.
Each investment is different and uncorrelated, which means if you decide to invest in more than one, you are building a diversified portfolio.
Terms of investment bonds vary from 1 year fixed rate bonds to 5 year fixed rate bonds. There are on occasion the possibility of a 6 month bond to 1 year bonds. The investments have been carefully selected for our clients to receive the best bonds and best bond rates, to save them the time in searching the entire market for the best fixed rate bonds or best saving bonds and looking for a needle in a haystack.
There are various types of bonds available from, fixed rate bonds, saving bonds, corporate bonds to fixed rate saving bonds and everywhere in between.
Our objective is to provide our discerning clients with enough information to make an informed decision and take control of their investment choice, without the need to take costly financial advice.