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Wholesale Investors Sample Bond Portfolios


With FIIG’s DirectBonds service, you can choose from over 600+ corporate and government bonds to build a portfolio and achieve a target return. We have constructed three sample portfolios to provide insight into returns, diversification and strategy. The portfolio is updated each month, with investors able to receive the monthly commentary as well as view the entire portfolio by clicking the download button.

  • Conservative

    5.74%p.a. Return^

  • Balanced

    6.52%p.a. Return^

  • High Yield

    8.86%p.a. Return^

This portfolio has 10 securities with weightings between 6.19% and 12.22%, yielding 5.74% pa*. It is designed for investors wanting a 100% allocation of investment grade bonds. The returns shown are based on ~$480,000 investment. $50,000 is the minimum amount that can be invested with FIIG.

Bond types
Security types
Ratings
Sectors
Portfolio breakdown
Holding Issuer Maturity/Call Date Bond Type Structure Ratings Industry Sector Capital Value Capital Price Currency % allocation Yield
40,000 Sydney Airport Nov 2030 CIB Senior Debt IG Infrastructure 63,319 158.08 AUD 12.2% 5.81%
50,000 National Australia Bank Jun 2034 FCB Tier 2 IG Major Bank 50,963 101.93 AUD 9.8% 6.08%
50,000 BPCE SA Oct 2033 FCB Senior Debt IG Regional Bank 55,945 111.01 AUD 10.8% 6.07%
50,000 Australian Government Apr 2033 FCB Senior Debt IG Government 51,989 103.43 AUD 10.0% 4.04%
50,000 Genworth Jul 2025 FRN Tier 2 IG Insurance 52,386 103.16 AUD 10.1% 6.24%
50,000 Triton Trust Nov 2026 FRN Senior Debt IG Property 52,903 105.19 AUD 10.2% 5.98%
40,000 JEM NSW Schools Nov 2035 IAB Senior Debt IG Infrastructure 32,039 80.10 AUD 6.2% 6.03%
50,000 Landesbank Baden-Württemberg May 2028 FCB Tier 2 IG Regional Bank 48,202 96.14 AUD 9.3% 6.13%
50,000 Liberty Financial Mar 2029 FRN Senior Debt IG Other Financials 52,906 105.94 AUD 10.2% 6.54%
50,000 Queensland Treasury Mar 2033 FCB Senior Debt IG Semi Government 57,350 113.23 AUD 11.1% 4.65%

^ Pricing as at 4 June 2024. Subject to change.

Portfolio characteristics

Each bond is selected to ensure the overall portfolio:

Preservation

Is designed to preserve
your capital

Cash flow

Generates ongoing
cash flow

Diversity and balance

Provides diversity
and balance

We combine fixed, floating and inflation linked securities and ensure all the bonds in the portfolio are investment grade securities.

  • Fixed Rate Bonds pay the same coupon amount throughout the life of the bonds, allowing you to predict cash flow.
  • Floating Rate Bonds move with the market interest rate and increase your return when rates rise.
  • Inflation Linked Bonds allow you to protect against rising inflation.

An allocation to senior debt securities means your investment is prioritised above shareholders for repayment. This protects your investment in the event of a problem with one of the issuers, because legally if the company goes into liquidation, any available funds will be repaid to senior investors before equity investors.

This portfolio has 15 securities with weightings between 3.32% and 10.95%, yielding 6.52% pa*. It is designed for investors wanting higher yield than a solely investment grade portfolio by taking measured credit risk. The returns shown are based on ~$575,000 investment. $50,000 is the minimum amount that can be invested with FIIG.

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Bond types
Security types
Ratings
Sectors
What makes up the portfolio
Holding Issuer Maturity / Call Date Product Type Structure Ratings Industry Sector Capital Value Cost Price Currency % allocation Yield to maturity
40,000 Sydney Airport Nov 2030 CIB Senior Debt IG Infrastructure 63,330 158.09 AUD 10.9% 5.81%
50,000 Queensland Treasury Corporation Mar 2033 FCB Senior Debt IG Semi Government 57,750 114.02 AUD 10.0% 4.54%
50,000 Liberty Financial Mar 2029 FRN Senior Debt IG Insurance 52,917 105.94 AUD 9.1% 6.51%
50,000 JEM NSW Schools II Pty Ltd Nov 2035 IAB Senior Debt IG Infrastructure 40,058 80.12 AUD 6.9% 6.03%
50,000 Triton Trust Nov 2026 FRN Senior Debt IG Property 52,911 105.18 AUD 9.1% 5.96%
40,000 Banco Santander SA Jan 2031 FCB Senior Debt IG Regional Bank 42,982 105.05 AUD 7.4% 5.58%
50,000 Australian Government Apr 2033 FCB Senior Debt IG Government 52,381 104.20 AUD 9.1% 3.94%
50,000 Landesbank Baden-Württemberg May 2028 FCB Tier 2 IG Major Bank 48,204 96.13 AUD 8.3% 6.13%
25,000 Liberty Funding Pty Ltd May 2026 FRN Senior Debt Sub IG Property 26,752 106.73 AUD 4.6% 6.55%
30,000 Emeco Pty Ltd Jul 2026 FCB Senior Debt Sub IG Resources 30,439 98.92 AUD 5.3% 6.81%
25,000 CEFT Apr 2026 FRN Senior Debt NR Other Corporate 25,532 101.52 AUD 4.4% 8.31%
30,000 RACE Nov 2027 FCB Senior Debt NR Other Corporate 21,206 89.05 AUD 3.7% 11.28%
40,000 WA Stockwell Aug 2026 FCB Senior Debt NR Property 19,192 92.08 AUD 3.3% 12.31%
25,000 ZILT 7 Nov 2025 FCB Senior Debt NR Property 23,719 94.27 AUD 4.1% 9.80%
20,000 Pepper Money Jun 2026 FRN Sub Debt NR Property 21,186 103.48 AUD 3.7% 9.30%

^ Pricing as at 4 June 2024. Subject to change.

Portfolio characteristics

Each bond is selected to ensure the overall portfolio:

Preservation

Is designed to preserve
your capital

Cash flow

Generates ongoing
cash flow

Diversity and balance

Provides diversity
and balance

We combine a mix of investment grade and sub investment grade bonds to generate the return, in conjunction with differing security types

  • Fixed Rate Bonds pay the same coupon amount throughout the life of the bonds, allowing you to predict cash flow.
  • Floating Rate Bonds move with the market interest rate and increase your return when rates rise.
  • Inflation Linked Bonds allow you to protect against rising inflation.

An allocation to senior debt securities means your investment is prioritised above shareholders for repayment. This protects your investment in the event of a problem with one of the issuers, because legally if the company goes into liquidation, any available funds will be repaid to senior investors before equity investors.

This portfolio has 12 securities with weightings between 5.83% and 14.11%, yielding 8.86% pa*. It is designed for investors seeking a higher return and who are comfortable with a corresponding increase in credit risk. The returns shown are based on a ~$393,000 investment. $50,000 is the minimum amount that can be invested with FIIG.

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Bond types
Security types
Ratings
Sectors
What makes up the portfolio
 
Holding Security Description Maturity / Call Date Product Type Structure Ratings Industry Sector Capital Value Capital price Currency % allocation Yield
30,000 P&N Bank May 2027 FRN AT1 NR Regional Bank 31,912 106.10 AUD 8.9% 7.52%
30,000 Peet Limited Sep 2026 FRN Sub Debt NR Property 30,900 101.36 AUD 8.6% 8.34%
20,000 Liberty Funding Pty Ltd May 2026 FRN Senior Debt Sub IG Property 20,945 104.42 AUD 5.8% 8.72%
30,000 ZILT 7 Nov 2025 FCB Senior Debt NR Property 28,463 94.27 AUD 7.9% 9.80%
30,000 RACE Nov 2027 FCB Senior Debt NR Other Corporate 21,206 89.05 AUD 5.9% 11.28%
48,000 WA Stockwell Aug 2026 FCB Senior Debt NR Property 23,031 92.08 AUD 6.4% 12.31%
30,000 Pepper Money Jun 2026 FRN Sub Debt NR Property 31,780 103.48 AUD 8.8% 9.28%
25,000 Triton Trust Aug 2026 FRN Senior Debt Sub IG Property 22,747 102.34 AUD 6.3% 7.50%
60,000 Liberty Funding Pty Ltd May 2026 FRN Senior Debt Sub IG Property 26,655 103.00 AUD 7.4% 8.07%
30,000 NCIG Holdings Pty Ltd Mar 2027 FCB Sub Debt Sub IG Infrastructure 50,682 109.77 AUD 14.1% 8.51%
30,000 ING Group May 2027 FCB AT1 Sub IG Major Bank 40,211 88.69 AUD 11.2% 8.28%
30,000 CEFT Apr 2026 FRN Sub Debt NR Other Corporate 30,638 101.52 AUD 8.5% 8.29%

^ Pricing as at 4 June 2024. Subject to change.

Portfolio characteristics

Each bond is selected to ensure the overall portfolio:

Preservation

Is designed to preserve
your capital

Cash flow

Generates ongoing
cash flow

Diversity and balance

Provides diversity
and balance

We combine a mix of investment grade and sub investment grade bonds to generate the return, in conjunction with differing security types

  • Fixed Rate Bonds pay the same coupon amount throughout the life of the bonds, allowing you to predict cash flow.
  • Floating Rate Bonds move with the market interest rate and increase your return when rates rise.
  • Inflation Linked Bonds allow you to protect against rising inflation.

An allocation to senior debt securities means your investment is prioritised above shareholders for repayment. This protects your investment in the event of a problem with one of the issuers, because legally if the company goes into liquidation, any available funds will be repaid to senior investors before equity investors.

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* Return is yield to maturity. Subject to change and before fees. Please see our FSG for any applicable fees.
† Weighted average life for maturity.

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