Bonds in the Scalable Broker

Diversify your investments:
with bonds

Earn up to 3.4% p.a. bond interest rates or invest broadly in corporate and government bonds with fixed income ETFs in the Scalable Broker.

Capital investments involve risks.
No investment advice.

Which bonds can you invest in with Scalable?

Step-up bond 3 years

	Interest (coupon): 3.0% p.a. (1st year), 3.2% p.a. (2nd year), 3.4% p.a. (3rd year)
	Term: 3 years
	Denomination: €100
	Selling possible before maturity
	Traded on the stock exchange, held in securities account

Buy now | DE000GQ6RVC6
Not a customer yet? Open an account

Capital investments involve risks.
German issuer: Goldman, Sachs & Co. Wertpapier GmbH. 100% guaranteed by the parent company The Goldman Sachs Group, Inc. in the US.

Our bond offering will be extended step by step.

Buy bonds
– in just a few steps

Simply open an account in the
Scalable Broker and get started.

Asset Anleihen-kaufen–in-wenigen-Schritten

Which bonds can you invest in using ETFs?

In the Scalable Broker there are ETFs that allow you to invest in sustainable bonds, the money market and more.

	iShares EUR Ultrashort Bond ESG UCITS ETF \| IE00BJP26D89 Portfolio of bonds from various issuers (ESG) No maximum amount, no terms Distributing	Invest now

	Amundi Euro Government tilted Green Bond UCITS ETF Acc \| LU1681046261 Green eurozone government euro-denominated bond portfolio No maximum amount, no terms Accumulating	Invest now

	Xtrackers II EUR Overnight Rate Swap UCITS ETF \| LU0290358497 Mapping of the short-term euro interest rate (€STR) No maximum amount, no terms 2 Variants: Distributing (LU0335044896) or accumulating (LU0290358497)	Invest now

What are bonds?

Bonds are securities that usually earn you regular interest payments. The most important features:

When you buy a bond, you lend the issuer of the bond an amount of money for a fixed term.
In return, you will receive regular interest and the amount will be repaid to you at the end of the term.
In addition to the general level of interest rates, inflation expectations, the maturity and the creditworthiness of the issuer also have an influence on the amount of interest payment. This can be seen from the credit rating.

For a detailed explanation of what bonds are, what the different types are, and what investors should be sure to keep in mind when investing, check out our knowledge article.

Overview over interest products

Discover all ways to benefit from interest with Scalable. In addition to overnight money, bonds and ETFs offer a good and simple way to benefit from interest.

	Interest On your cash	Bonds Secure current interest rates for 3 years	iBonds Basket of corporate and government bonds with fixed terms	Money market ETFs Benefit from current interest rates	InterestInvest Sit back and automatically profit from interest
Interest	2.6% p.a.¹	Up to 3.4% p.a	Up to 3.77% p.a. (euro) or 5.19% (dollar)²	Up to 3.410% p.a. (€STR, status: October 2024)	Target return 3.3% p.a.³
Selection of securities	-	DE000GQ6RVC6	IE0000VITHT2 IE000I1D7D10 IE0007UPSEA3	LU0290358497 IE00B3BPCH51 LU0335044896	-
Term	Unlimited	3 years	Depending on the product (2-5 years)	Unlimited	Unlimited
Availability	PRIME+ Broker	Tradable in all Scalable Broker price plans (FREE, PRIME+)			In Scalable Wealth
	Learn more	Learn more	Learn more	Learn more	Learn more

There are risks associated with investing.

¹ 2.6% p.a. interest for PRIME+. Cash account at Baader Bank AG. Variable rate up to €100,000. Learn more.

² Note currency risk. Learn more.

³ The target return depends on market developments and is shown before costs. It was calculated on the basis of the portfolio components’ return as of 10 October 2024. The ETF costs (0.13% p.a.) and wealth management/trading fees (0.75% p.a.) will have a yield-reducing effect. Expected returns are forecasted and do not represent a reliable indicator of future performance.

Frequently asked questions about bonds

Why is the value of my bond fluctuating?

At the end of the term, the bond is repaid at its nominal value (note creditworthiness/issuer risk). Until then, however, the price of a bond is subject to the interplay of demand and supply on the stock market. In particular, the general interest rate level has an influence on the value of a bond. If market interest rates rise, for example, the interest on a fixed-rate bond becomes relatively less attractive and the price of this bond falls. Thus, a rise in market interest rates is usually accompanied by falling bond prices. Moreover, even if all interest and the nominal value are paid at maturity, a bond investor may incur a loss if, for example, they sell before maturity at a price lower than the issue or purchase price of the bond. Creditworthiness and inflation risks can also have an adverse effect on the price of the bond. Please also refer to our risk information.

When do I receive my interest from bonds?

Interest is calculated on a daily basis and paid out annually. As a result of the day-by-day calculation, the price of the bond (apart from other influencing factors) increases every day in line with the accrued interest entitlement. With the annual payment, the bond price decreases accordingly. Depending on the bond, the exact interest payment date can be found in the product information sheet and on the website of the issuer of the bond.

Do I get the invested money back completely?

Yes, you get the invested money back in full at the end of the bond's term. Please note the risks explained below.

What happens if I need the invested money again before maturity?

If you need the invested money before maturity, you can sell the bond at any time. However, this may result in a loss if the current market price is lower than the purchase price.

Risk of bonds

Issuer or credit rating risk

When investing in bonds, investors become creditors of the bond issuer. If the issuer becomes insolvent, there is a risk that interest payments and/or the repayment of the invested amount may not be received at all or only in part. There is no deposit insurance for bonds. If the issuer becomes insolvent, investors may lose their invested capital (total loss).

Price risk

Bonds can be sold on the stock exchange at any time before maturity. However, there is a risk that the price of the bond may be lower than the purchase price when it is sold.
Please also refer to our risk information. Scalable Capital does not provide investment advice.

There are risks associated with investing. The value of your investment may fall or rise. Losses of the capital invested may occur. Past performance, simulations or forecasts are not a reliable indicator of future performance. Please refer to our risk information.

2.6% p.a. interest for PRIME+. Cash account at Baader Bank AG. Variable rate up to €100,000. Learn more.