Interest rates might have risen, but many banks only pay 3%-5% per year.<\/p>\n\n\n\n
Even if you are getting 6% per year, this is often lower than:<\/p>\n\n\n\n
- \n
- Inflazione<\/li>\n\n\n\n
- The alternatives available in the market<\/li>\n<\/ul>\n\n\n\n
As Metro Bank\u2019s, one of the UK\u2019s leading challenger banks, troubles show, the banking sector has had its jitters in the last year.<\/p>\n\n\n\n
![\"\"](\"https:\/\/adamfayed.com\/wp-content\/uploads\/2023\/10\/Metro_Bank_Wood_Green_2-300x225.jpg\")
<\/figure>\n\n\n\nGovernment bonds<\/strong><\/h4>\n\n\n\n
Many emerging market governments, such as Turkey and Egypt, offer 8% per annum (or more) on government bonds.<\/p>\n\n\n\n
As Ghana\u2019s recent default shows, government bonds aren\u2019t a risk-free asset.<\/p>\n\n\n\n
This is especially the case when countries are lending a currency that isn\u2019t theirs own.<\/p>\n\n\n\n
Moreover, if interest rates increase, existing bondholders will likely see their investments fall in value.<\/p>\n\n\n\n
If your investment decreases, getting 5% per annum on a yield isn\u2019t much good.<\/p>\n\n\n\n
Conversely, when interest rates fall, that is usually good for government bonds.<\/p>\n\n\n\n
Therefore, the best time to buy government bonds is when interest rates will likely peek.<\/p>\n\n\n\n
Immobili<\/strong><\/h4>\n\n\n\n
Investors usually profit from real estate due to rental yields and leverage rather than capital appreciation.<\/p>\n\n\n\n
If real estate falls in value, as has happened recently in places like the UK, South Korea and Hong Kong, yields usually increase.<\/p>\n\n\n\n
Real estate might be a decent play in a few years, but right now, the risks seem high, given where we are in the interest rate cycle.<\/p>\n\n\n\n
Alternative assets<\/strong><\/h4>\n\n\n\n
Alternative assets include:<\/p>\n\n\n\n
- \n
- Prestiti peer-to-peer<\/li>\n\n\n\n
- Loan notes and private debt<\/li>\n\n\n\n
- Private Equity<\/li>\n\n\n\n
- Fondi speculativi <\/li>\n<\/ul>\n\n\n\n
Some of these projects offer excellent yields of over 10% per annum.<\/p>\n\n\n\n
However, they are the riskiest option on this list, and therefore, you need to either understand the risk or get a professional advisor to assess it for you.<\/p>\n\n\n\n
A-rated corporate bonds<\/strong><\/h4>\n\n\n\n
Some A-rated corporate bonds are producing 6%-8% per annum right now.<\/p>\n\n\n\n
Coca-Cola and Halliburton are just two examples of companies offering north of 7% per annum.<\/p>\n\n\n\n
Like the final option on our list, these options are typically unavailable on most do-it-yourself platforms, so you must go through companies like ourselves.<\/p>\n\n\n\n
Professional-investor assets<\/strong><\/h4>\n\n\n\n
The major investment banks, such as Goldman Sachs and BNP, provide professional investor-type assets.<\/p>\n\n\n\n
Recently, we got access to a capital-protected investment paying 8.8% per year from BNP.<\/p>\n\n\n\n
To get access to these investments, people typically need to either:<\/p>\n\n\n\n
- \n
- Become certified as a high-net-worth investor<\/li>\n\n\n\n
- Reach out to advisors such as ourselves<\/li>\n<\/ul>\n\n\n\n
The downside of fixed returns of this nature is that there is typically a lock-in period.<\/p>\n\n\n\n
Siete afflitti dall'indecisione finanziaria? <\/strong><\/p>\n\n\n\n
![\"\"](\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-512x288.jpg\")
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