Bank bonds
Bank bonds (fixed-interest bonds)
AGw Allgemeine Geldwechsel Förster GmbH offers a targeted selection of bank bonds (fixed-rate bonds)
designed to provide you with predictable returns and a structured solution for diversifying your
assets. Our products combine transparent contractual terms with fixed or variable interest payments and clear repayment terms.
Product Overview — What are bank bonds?
Bank bonds are interest-bearing securities in which investors provide capital to a bank.
Banks either issue these instruments themselves or broker them on behalf of issuers (e.g.
governments or companies). In return, investors receive:
– Regular coupon payments (fixed or variable)
– The repayment of the invested capital on the contractually agreed due date
Term (maturity)
Bank bonds have a clearly defined maturity. Typical maturities range from 1 to 30 years.
Common examples are 1, 3, 5, 7, and 10 years. Short-term securities can be less than one year;
long-term over 20 years. If a bond is held to maturity, the
full repayment of the capital (assuming the issuer fulfills its obligations). Many
Bonds are also tradable on the secondary market, which allows for liquidity before maturity, but
Market prices may fluctuate.
Key benefits
- Stability & predictability: Predictable interest payments (especially for fixed-income securities).
- Attractive conditions: Fixed- or variable-rate products tailored to your return and term preferences.
- Flexible maturities: Selection of short-, medium-, and long-term bonds to match your investment goals.
- Diversification: Complementing equities and other asset classes to reduce portfolio risks.
- Transparency: Clear contract terms with full disclosure of fees and early termination policies.
Terms & Fees
Our bonds are offered with clear, written terms and conditions. These include: coupon amount and frequency, maturity date, potential fees, and early termination or early repayment provisions (if applicable). All relevant costs and scenarios are disclosed so you can fully evaluate the investment.
Suitability & Risks
Bank bonds are particularly suitable for investors who value regular income and predictable capital returns. However, risks remain: issuer credit risk, market risk (price losses if sold before maturity), interest rate risk, and—depending on the product—liquidity risk. Please note that “guaranteed” payments are tied to the issuer’s ability to meet their obligations; a third-party guarantee only exists if contractually stipulated.
How to proceed
For further information, we will be happy to provide you with an investor information sheet (if available) and the full terms and conditions. Our advisors will assist you in selecting the right terms based on your investment objectives.
AGw Allgemeine Geldwechsel Förster GmbH is your partner for predictable, transparent fixed-interest solutions to stabilize and diversify your investment portfolio.