Fixed Income & Money Markets

INCOME. LIQUIDITY. CAPITAL PRESERVATION.

fixed income & mony market ATIB

A DEFINED ROLE FOR CAPITAL

Fixed-income and money-market instruments can serve different purposes within a wider financial strategy.

A client may be seeking to preserve capital over a defined period, generate income, invest temporary surplus liquidity, diversify beyond cash or equities or prepare for a future financial commitment.

ATIB begins with the purpose of the capital, the investment timeframe, required liquidity, currency exposure and the client’s capacity to accept credit, interest-rate and market risk.

The objective is to identify instruments whose maturity, liquidity and risk characteristics are aligned with the client’s financial requirement – not simply those offering the highest stated yield.

FIXED-INCOME & MONEY-MARKET CAPABILITIES

ATIB’s role may involve helping eligible clients identify appropriate market channels, assess available execution routes and coordinate transactions through approved institutions and counterparties.

GOVERNMENT SECURITIES

Access to suitable government bonds, sovereign securities, treasury notes and approved public-sector debt instruments across relevant maturity and currency profiles.

CORPORATE BONDS & DEBT SECURITIES

Selected corporate debt opportunities considered in relation to issuer strength, repayment terms, ranking, liquidity, currency and the balance between income and credit risk.

TREASURY BILLS

Short-term government instruments considered for temporary liquidity, near-term commitments, capital preservation and reduced exposure to longer-duration interest-rate movements.

MONEY-MARKET SOLUTIONS

Suitable short-duration instruments, approved deposits or professionally managed money-market strategies for capital that must remain relatively liquid.

EXPLORE TREASURY & LIQUIDITY SOLUTIONS

BALANCING RETURN WITH ACCESS TO CAPITAL

Higher stated returns may involve longer maturities, lower liquidity, greater credit exposure or additional currency and market risk.

  • Maturities aligned with future financial commitments

  • Liquidity preserved for immediate and near-term needs

  • Issuer and counterparty strength considered

  • Currency and interest-rate exposure understood

  • Diversification across instruments and maturity dates

  • Clearer visibility over income and capital risk

An apparently attractive yield may reflect materially higher risk. ATIB therefore considers the expected income alongside maturity, liquidity, credit quality, currency exposure and the client’s wider financial position. No instrument can remove market or credit risk, and capital and income may rise or fall.

DISCIPLINED MANAGEMENT OF INCOME AND LIQUIDITY

Fixed-income and money-market instruments can support income, liquidity and capital-management objectives when they are selected for a clearly defined purpose and assessed with a proper understanding of risk.

This capability may be relevant for private clients and family offices, entrepreneurs and investment companies, corporations managing surplus cash, financial institutions, asset managers, institutional investors, governments, public institutions and other eligible professional counterparties.

Broader listed-market or execution requirements may be addressed through Capital Markets. Corporate cash and treasury planning may require Treasury & Liquidity Solutions, while fixed income forming part of a wider managed portfolio may be considered through Asset Management or Portfolio Management & Capital Growth.

DISCUSS YOUR INCOME AND LIQUIDITY OBJECTIVES