Earn passive income with bonds

Fuxion Access makes bond investments accessible to retail investors. Many bonds require high minimums (e.g., €10,000+) or are limited to private placements, making diversification hard. On Fuxion Access, you can invest in small fractions starting from €50 and conveniently build a diversified bond portfolio.

Fuxion Access offers two ways to invest in bonds:

• Direct bonds issued by companies or governments — you own the bond (or fraction) and receive coupon payments from the issuer.
• Bond-backed securities emitted by a special purpose entity within the Fuxion Access group — the issuer holds the underlying bond and passes its returns to you.

The return on a specific bond depends on its coupon (interest) rate, which is driven by:

• Inherent risk factors, including the issuer’s creditworthiness.
• Market factors such as the economic environment, general interest rates, and alternate opportunities.

If you hold your bond to maturity, price fluctuations won’t affect your return. Selling on the Fuxion Access Secondary Market may result in a price different from your purchase price due to supply/demand and market changes.

If you already invest in stocks or ETFs, adding bonds can improve overall diversification. Different asset classes often react differently to market changes — for example, bonds can help cushion stock market drops.

It depends on the specific bond. Check the applicable prospectus to see whether a bond is secured and what collateral (if any) applies.

There are no fees for investing in bonds on Fuxion Access.

A bond is a debt security — an “IOU” between the investor (lender) and the issuer (borrower). Governments, agencies, and companies issue bonds to finance projects or other needs.

In exchange for your capital, the issuer pays a coupon (fixed or floating, e.g., over Euribor) during the bond’s life and returns the principal at maturity — hence bonds are fixed-income instruments.

Primarily high-yield corporate bonds from European companies across sectors such as aviation, logistics, construction, consumer goods, electronics, energy, and finance.

They’re distinct asset classes with different risk/return profiles:

• Stocks: You buy shares of a company; your return depends on company performance and market price.
• Bonds: You lend to the issuer and receive coupons plus principal at maturity.
• Loans on Fuxion Access: You buy regulated, loan-backed securities and receive interest/principal per the repayment schedule.

Coupon frequency varies by bond — commonly monthly, quarterly, semi-annually, or annually. See the bond’s details or prospectus for the exact schedule.

Main risks include:

• Issuer risk: Insolvency or inability to make coupon/principal payments.
• Market risk: Price declines due to economic or geopolitical events.
• Interest rate risk: Fixed-rate bonds are sensitive to rate changes.
• Liquidity risk: Early sale depends on demand on the Fuxion Access Secondary Market.

For details, see our risk disclosure.

Bonds can stabilize your portfolio and provide consistent returns. They may suit you if you want:

• Regular income via scheduled coupons.
• Stability with fixed payments and principal at maturity.
• Diversification to balance riskier assets like stocks or crypto.
• Generally lower risk compared to equities and some loan-backed assets.