Target-date
bond fund
Control the risk and duration of your investment with an estimated return known in advance.
- From 1,000 EUR with Investisseur Privé.
- Low-risk or cautious investment.
- Visibility on maturity and return.
The target-date bond fund in 3 points
A fund invested in bonds with a predefined maturity date and an estimated return known in advance.
The bonds in the fund share the same maturity date, allowing you to know the investment duration in advance.
The return is estimated at subscription, thanks to visibility on the coupons of the bonds held.
There is a risk of capital loss in the event of an issuer default, but it is lower than for equities.
Invest with a known return and maturity
The target-date bond fund allows you to invest today at an attractive rate for a predefined period, averaging 2 to 5 years. You know from the start the potential return you are targeting and how long to achieve it. It combines diversification, return, visibility, delegated management and eligibility for many tax wrappers.
Advantages of the target-date bond fund
The advantages of the maturity bond.
Minimal investment: only 100 euros.
Known maturity at purchase.
Stable bond portfolio over time.
Attractive return based on current interest rates.
Bond asset for diversification.
Risk pooling between investors and borrowing companies.
Management included.
Less volatile investment than equities.
For individuals and legal entities, through a given tax wrapper.
Constraints of the target-date bond fund
The constraints of the maturity bond.
Risk of capital loss.
Performance linked to the management company's strategy.
Rising rates: they can lead to a temporary decrease in fund valuation.
Limited liquidity before maturity.
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financial savings
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Characteristics of the target-date bond fund
A maturity fund for investing in bonds with return visibility.
Asset type
Target-date bond fund
Composition
Corporate bonds (investment grade and/or high yield)
Duration
Defined in advance (generally 3 to 7 years)
Return
Estimated in advance (generally 4% to 7%)
Eligible wrappers
Life insurance, capitalization contract, securities account, PEA, PER
Risk
Issuer default risk (lower than equities)
Suited for
Diversification, medium-term horizon, cautious to balanced investor
Do you know our other
target-date bond fund investments?
With Investisseur Privé, invest in the best target-date bond funds.
01
Selection
We select the best target-date bond funds on the market.
02
Diversification
Your bond portfolio diversified across sectors and geographies.
03
Monitoring
Your investments monitored and reported regularly.
Speak with an advisor
Invest in target-date bond funds
Investisseur Privé selects the best target-date bond funds for you:
- Analysis of available returns and maturities.
- Selection based on your risk profile.
- Regular monitoring and reporting.
Understanding the target-date bond fund
Educational content to learn about target-date bond funds: articles, white papers, newsletters, videos and webinars.
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Target-date bond fund and similar assets
In addition to the target-date bond fund, other assets are available to diversify your investments.
Euro fund
A capital-guaranteed investment to secure your financial savings with a stable return.
Structured product
A product combining known profitability, coverage level and maturity.
Financial savings
Diversify your savings in equities, bonds, funds... for returns and/or appreciation.
Euro fund
A capital-guaranteed investment to secure your financial savings with a stable return.
Structured product
A product combining known profitability, coverage level and maturity.
Financial savings
Diversify your savings in equities, bonds, funds... for returns and/or appreciation.
Frequently asked questions about the target-date bond fund
Looking to invest in a target-date bond fund? Here are the answers to your questions.
The taxation depends on the tax wrapper through which it is held: life insurance, capitalization contract, securities account, PEA or PER. Investisseur Prive recommends life insurance to optimize your taxation.
No, there is a risk of capital loss in the event of an issuer default. However, portfolio diversification and the credit quality of the bonds limit this risk.
Life insurance, capitalization contract, securities account, PEA and PEA-PME, and the retirement savings plan (PER).