Earn a fixed income
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Earn a fixed monthly income
Fixed-income bonds are investments that provide a fixed rate of return over a set period. The benefits of our private fixed-interest bonds include stable returns, predictable cash flows, and no volatility compared to other investments such as stocks. Fixed-interest bonds can be an excellent addition to a diversified investment portfolio.
- Earn a fixed, plannable and steady income paid monthly to your account
- Start with relatively small amounts
- Proceeds are used to develop our project at Lake Maggiore, Switzerland
- Our bonds have a fixed term and are repaid on their maturity
- The bonds are not listed on a public market and therefore have no volatility and liquidity during the time you are invested
Investing in our fixed-interest bonds means enjoying a fixed rate of return over a set period without worrying about market fluctuations or interest rate changes. You can choose from a range of investment terms to suit your needs, and you’ll receive regular, monthly interest payments throughout the term of the bond as well as full repayment on the maturity date.
| Bond issue | Interest | Interest payments | Duration | Minimum investment | Term summary: |
| conditionally secured bond | 2.23% per year | Monthly | 48 months (4 years) | 25'000 | Fully asset backed upon availability |
| conditionally secured bond | 3.28% per year | Monthly | 84 months (7 years) | 25'000 | Fully asset backed upon availability |
| senior corporate bond | 4.15% per year | Monthly | 48 months (4 years) | 25'000 | Senior |
| senior corporate bond | 6.25% per year | Monthly | 84 months (7 years) | 25'000 | Senior |
| convertible bond | 7.40% per year | Monthly | 48 months (4 years) | 25'000 | Junior |
| convertible bond | 8.12% per year | Monthly | 84 months (7 years) | 25'000 | Junior |
This table serves as a summary and overview of our bond issues. Please consult the onboarding tool or talk to your account manager to learn more about our bonds’ availability. All bond terms are exclusively according to the respective term sheet, which may be ordered and obtained free of charge at the issuer’s registered office.
Bankability & Risk profile
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Do you require a Swiss ISIN number?
Investors requiring our bond as bankable security can request a Swiss ISIN number upon request. By default, our bonds are issued as book-entry securities to reduce the issuance costs further. Should you require bankability, the costs will be deducted from the bond yield, resulting in a slightly lower annual return.
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What are the additional fees for an ISIN number/bankability?
Typically the annual fees are around 0.38% p.a. (external fees) for bankability. On top, the bondholder will pay a custodian fee at his bank. Secondary transactions usually cost about 1% of the total volume. The fees are charged by third-party providers, and Amea has no control over the exact fees or future price increases. Therefore, the exact costs can only be terminated once we set up a bankable bond issue.
The fees for the bankable bond issue will be deducted from the bond’s interest. We, therefore, suggest working with the non-bankable issues we offer whenever possible.
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General information about the risk profile
Every investment comes with a certain degree of risk, and our bond issues are no exception. We finance mortgage secured debt or asset-backed senior debt with banks or other financial institutions, where we pay market average interest. The current issue represents a subordinated, unsecured corporate bond that could result in the complete loss of the invested capital.
The terms and conditions are exclusively according to the official bond prospectus (if applicable) or term sheet available at our registered office. Before deciding on an investment, read the risk warnings carefully, or consult a trusted financial expert in case of doubt.
Please note that historical or projected performance information is not a reliable indicator for future earnings or losses. No investment advice: The mentioned explanations are neither investment advice nor a recommendation to buy or sell any financial instruments.
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Illiquidity of Bonds and Coupons
The Bond is not listed for trading on any stock exchange and is not traded via any trading system. Therefore, there is no guarantee that the Bondholder will find a buyer for his Bonds and/or for the Coupons who will be willing to purchase his Bond(s) and/or Coupons or, respectively, to pay the purchase price he is asking.
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Financing risk
For the performance of its business operations, the Issuer must rely to a considerable extent on financial resources made available to it either as equity or as borrowed capital. The willingness of investors to provide financial means to the Issuer or to invest in the Issuer’s equity not only depends upon the Issuer operating successfully but also on general conditions in capital markets.
Should the Issuer not be able to raise the financial resources needed, then not all of the projects attempted by the Issuer can be achieved, which can have a negative impact on business operations and business profits.
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Not exhaustive
This list is solely to understand the risk profile of our bond issue. The list is not exhaustive, and the terms and conditions are exclusively according to the official bond prospectus (if applicable) or term sheet available at our registered office. Before deciding on an investment, read the risk warnings carefully, or consult a trusted financial expert in case of doubt.
Please note that historical or projected performance information is not a reliable indicator for future earnings or losses. No investment advice: The mentioned explanations are neither investment advice nor a recommendation to buy or sell any financial instruments.
Hear what others have said.
Our bond issues have been a popular way to diversify an investor’s portfolio and participate in our business model with a fixed, plannable annual return. Listen to our investor testimonials and other recognition or talk to an existing bondholder.
TALK TO US
Questions?
We are happy to answer all your questions in a personal meeting or call. Our experienced team has decades of experience in private banking, asset management, and real estate development and has worked for some of the largest financial institutions in the world. We are available for in-person meetings all over Switzerland and, upon availability, in Europe.
Schedule a call with one of our team members to determine if a bond investment is right for you.
Fabian Coray,
Director Investor Relations
