Fixed Term

A defined investment period with clearly established terms.

Overview

Fixed-term investments are structured around a defined investment period, allowing investors to understand the intended term and applicable investment conditions before committing capital.

Our Fixed Term service is designed for investors looking for opportunities where the investment period and associated terms are established in advance.

Depending on the investment, the structure may provide greater clarity around the intended duration of the investment compared with open-ended market exposure.

What We Provide

• Defined Investment Terms: Understand the intended duration and structure before investing.
• Term-Based Opportunities: Explore opportunities structured around specific investment periods.
• Income & Return Information: Review applicable interest, income or return terms where provided.
• Capital Planning: Consider fixed-term investments as part of a broader investment strategy and liquidity plan.
• Portfolio Diversification: Use selected fixed-term opportunities alongside other asset classes where appropriate.
• Maturity Management: Plan for the end of the investment term, including reinvestment or withdrawal options.

How Fixed-Term Structures Work

A fixed-term investment is structured around a specific investment period - for example, 12 months, 3 years, or 5 years. During this period, your capital is typically committed to the investment, and access to funds may be limited until the term concludes. At maturity, depending on the structure, you may receive your original investment along with any applicable returns. Understanding the terms before you invest is essential.

Planning and Liquidity Considerations

Fixed-term investments require careful planning around liquidity. Because capital is typically committed for the duration of the term, investors should consider their broader cash flow needs and ensure they have sufficient liquidity outside the investment. We help you assess how a fixed-term allocation fits within your overall financial position and investment strategy.

Our Process

1. Assess: We assess your liquidity needs, time horizon, and investment objectives.
2. Identify: We identify fixed-term opportunities that align with your requirements.
3. Review: We review the terms, duration, structure, and applicable conditions.
4. Invest: You proceed where appropriate, with capital committed for the defined term.
5. Maturity: At the end of the term, we discuss reinvestment or withdrawal options.

Who It May Suit

Fixed Term may be suitable for investors seeking:

• Defined investment periods
• Clarity around investment duration
• Ability to commit capital for the full term
• Diversification across asset classes
• Planning around specific financial milestones

Key Considerations

• Limited Liquidity: Capital is typically committed for the full term. Early access to funds may not be available or may incur penalties.
• Not Risk-Free: Fixed-term investments are not necessarily capital guaranteed. The level of risk depends on the specific investment and structure.
• Return Variability: Returns, if any, depend on the investment structure. Some may offer fixed returns, others variable or contingent returns.
• Inflation Risk: Over longer terms, inflation may erode the real value of returns. This should be considered in your broader planning.
• Counterparty Risk: Returns and capital may depend on the financial health of the issuing entity. Understanding this risk is important.
• Documentation: Investors should carefully review all product documentation, including terms, conditions, and risk disclosures before investing.

Important

Fixed-term investments are not necessarily capital guaranteed or risk-free. Terms, returns, liquidity and access to capital vary by investment.

Investors should carefully review the relevant product documentation before making an investment decision.

Frequently Asked Questions

What is a Fixed Term investment?

A fixed-term investment is structured around a defined investment period. Your capital is typically committed for the duration of the term, and applicable terms - including any potential returns - are established before you invest.

How long does a Fixed Term investment last?

The duration varies by investment. Terms may range from several months to several years. The specific term is established in the investment documentation and is communicated before you commit capital.

Can I access my money before the term ends?

In most cases, capital is committed for the full term and early access may not be available. Some investments may offer early exit options, but these often involve penalties or are subject to specific conditions. We help you understand the liquidity terms before investing.

Are Fixed Term investments risk-free?

No. Fixed-term investments are not necessarily capital guaranteed or risk-free. The level of risk depends on the specific investment, its structure, and the issuing entity. We help you understand the risks before you invest.

How do returns work?

Returns depend on the investment structure. Some fixed-term investments offer a defined return, while others may offer variable or contingent returns. The applicable terms are set out in the investment documentation.

What happens at maturity?

At the end of the term, depending on the investment, you may receive your original capital along with any applicable returns. We then discuss your options, which may include reinvestment, withdrawal, or reallocation.

Explore Fixed Term