FD+ & Structured Debt
The same job a bank FD does — parking money safely — done with better-structured instruments: corporate deposits, high-grade bonds and short debt strategies you can access in days, not years.
What it actually is
A set of low-risk debt instruments — AAA/AA corporate FDs and bonds, target-maturity funds and curated debt portfolios — used as a stable, capital-protective anchor while the rest of the portfolio takes risk.
The job it does
- Parking surplus without an FD lock-in penalty
- Predictable, near-term cashflow
- A low-risk anchor for the wider portfolio
Why people use it
- Better liquidity than most alternatives — money out in days
- Laddered maturities can match known future expenses
- High credit quality keeps capital risk low
What can go wrong
- Credit risk: any extra yield is payment for lending below sovereign quality
- Bond prices move with interest rates if sold early
- Yields shown are indicative; reinvestment rates change
Does FD+ & Structured Debt belong in your architecture?
Seven questions narrow thirteen structures to a shortlist.
Content on this site is for education only and is not investment advice or an offer to sell any product. Past performance does not guarantee future results. Please consult your Chartered Accountant and read all scheme documents before investing.