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Who do you lend your money to?
Find out which government or company is responsible for repaying your money and paying interest. Its ability to make those payments is an essential part of the risk.
SR Financial - Fixed Income
Bonds and Fixed Income
When you buy a bond, you lend money to a government or a company. In exchange, you agree on a term and a schedule of payments. Through Caser, you can explore the available options and compare when you’ll receive payments, how much it costs to invest, and the terms of each bond.
How it works
Information prior to decision-making
To understand a bond, it's helpful to know who issues it, its term, and how you might sell it.
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The deadline and the price
Each bond has a maturity date. If you sell it before then, the market price may be higher or lower than what you paid for it.
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How to Use the Money
You can collect the scheduled payments or consider selling before maturity. The ease of selling and the price depend on the bond and the market.
What to Compare Before Investing
We’ll explain the expected payments, the term, the purchase price, and the fees. We’ll also explain what would happen if the issuer had trouble making payments, whether there are any guarantees, and where you would rank in the order of priority for repayment. This way, you can evaluate the investment as a whole—not just the advertised interest rate.For more information: CNMV - Fixed-Income Risks.
Before reaching out
Frequently Asked Questions
Why is it called "fixed income"?
Because the payment terms are established when the bond is issued. This makes it possible to know the expected payments, although the price may change and there is a risk that the issuer will default.
How can I find out about the available bonuses?
Tell us what loan term you're considering and when you might need the money. We'll explain the available options and their terms before you make a decision.
What happens if I sell a bond before it matures?
You would sell it at the market price at that time, which may be higher or lower than what you paid. The result also includes interest earned and transaction costs.
Would you like to speak with an advisor?
Tell us what term you're interested in and when you might need the money.