Benefits

Investment Features

timely actionable investment

Long term, consistent investing is critical in wealth management and financial planning.

money international fund transfer

Achieve diversification by investing in different bonds across different regions. Our fixed income products are issued by reputable corporates, supranational and sovereigns.

money easy pay stretch your dollar

Investment has never been easier. Simply invest from your current account and enjoy the benefits of regular income.

form wide range bonds

Diversify by investing in different type of bonds: onshore, offshore, corporate and government bonds.

Fixed income securities yield guaranteed returns on investments. They act as a liability for the organization launching them in the market. Returns on fixed-income investments are generated periodically, and the interest payable on these securities remains constant irrespective of market fluctuations.

  • Treasury Bills(T-Bills)
  • Treasury Notes(T-Notes)
  • Treasury Bonds(T-Bonds)
  • Corporate Bonds
  • Municipal Bonds
  • Certificates of Deposit(CDs)

Fixed Income Securities are set for individuals searching for the right tools to invest.

These individuals could be avid investors looking to make secure returns and be able to diversify their portfolio. This ensures that a person has a stable flow of division during a market downswing when other higher valued assets do not yield adequate returns.

Credit quality, yield, and maturity are key components of fixed-income securities.

A bond is a fixed income instrument that represents a loan made by an investor to a borrower (typically corporate or governmental). A bond could be thought of as an I.O.U. between the lender and borrower that includes the details of the loan and its payments.

Regular Income: Bond issuers are bound by the terms of the bond to pay out regular coupon income to the bondholders (subject to the credit risk of the issuer).

Hedge against inflation: With the proper bond selection, you may potentially earn an investment return which keeps pace with or even exceeds the inflation rate.

Capital appreciation: Like all instruments traded in the secondary market, the price of a bond can appreciate (or depreciate) over and above (or below) the initial purchase price, and allow an investor to realize capital gains (or losses).

Your account will be debited within 3 business days of your submission of the order. Please keep your account sufficiently funded to ensure your request is completed. Kindly review order status to ensure your order is placed successfully.

A suitability assessment is an evaluation of your risk appetite based on the information provided in your Investment Profile i.e. risk tolerance, investment objective, investment experience or knowledge, financial situation and financial needs. This information is used to determine whether the selected investment suits you.

You can place purchase and sales orders via the online bonds and T-bills platform. You can also check the status of your orders on the platform.

Fixed interest rate securities are those in which the interest payable is settled in advance. Floating interest rate securities are those in which the interest payable is reset from a pre-determined interval according to a pre-determined benchmark.

Credit quality is a way of calculating an individual’s or company’s creditworthiness. It is also a credit risk and a principal criterion used for judging the investment quality of a bond or mutual fund.

Long-term securities typically offer more return than short-term securities because investors usually prefer to lend money for shorter terms. Hence money lent out for longer terms will have a higher yield.

Interest rates come in different types, they are the rates that banks offer to their depositors, those that they lend to their borrowers, the rate at which the Government borrows in the bond, those offered to small investors in small savings schemes at which companies issue fixed deposits, etc.

Some macroeconomic factors that govern the interest rates are:

  • Government borrowings
  • Supply of money
  • Inflation rate

Invest online to get fixed income, to watch the video.

  1. Telephone: Call our Client Care Centre on +233-302-633398/+233-242-436387 during working hours 8:30am to 5:00pm, weekends and holidays excluded, where our team of agents are standing by to assist you.
  2. Email us at feedback.ghana@sc.com
  3. In person: Visit the nearest branch and our dedicated staff will receive and address your complaint or contact your Relationship Manager.
  4. Letter: You may mail a letter to:
    The Head,
    Client Experience,
    Standard Chartered Bank Ghana Limited
    Box 768, Accra

While you can place your orders via our online bonds and T-bills 24 hours a day, we will process all orders received before cut-off time (2:00 PM Greenwich Mean Time) on the same day, otherwise, your order shall be processed on the next business day.

Call Us

Call our hotline for further information.

0302 740100

Email Us

Please send us a message and we will be in touch as soon as possible.

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Locate Us

Visit the branch that is nearest to you.

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Fixed Income Securities Enjoy regular income and the opportunity for capital appreciation.

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