FIIG - The Fixed Income Experts
 
 

Retail Investors Sample Bond Portfolio

 

With FIIG’s DirectBonds service, you can choose from over 600+ corporate and government bonds to build a portfolio and achieve a target return. Each month we compile a selection of our top bonds to provide an example portfolio for retail investors. To view the entire portfolios, click the download button.

  • 5.54% p.a. Return^

  • This portfolio has 20 securities, and is designed for retail investors seeking a balanced portfolio, with a greater exposure to investment grade and some select high yield bonds. We combine fixed, floating and inflation linked securities, to construct a diversified portfolio that delivers ongoing cash flow and capital preservation. The returns shown are based on a ~$200,000 sample investment portfolio. Noting $50,000 is the minimum starting amount that can be invested in a portfolio 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
    10,000 Lendlease Finance Ltd Mar 2031 FCB Senior Debt IG Real Estate 8,942 88.76 AUD 4.4% 5.85%
    10,000 AMP Bank Limited Oct 2027 FRN Tier 2 IG Financials 10,804 106.63 AUD 5.3% 5.94%
    10,000 Pacific National Finance Pty Ltd Sep 2031 FCB Senior Debt IG Infrastructure 8,960 88.69 AUD 4.4% 5.85%
    10,000 National Australia Bank Limited Dec 2029 FCB AT1 IG Financials 9,842 96.05 AUD 4.9% 5.87%
    10,000 Liberty Financial Pty Ltd Apr 2027 FRN Senior Debt IG Financials 10,507 103.90 AUD 5.2% 5.21%
    10,000 Pacific National Finance Pty Ltd Sep 2029 FCB Senior Debt IG Infrastructure 9,281 92.08 AUD 4.6% 5.60%
    10,000 Commonwealth Bank of Australia (CBA) Mar 2033 FCB Tier 2 IG Financials 11,038 108.90 AUD 5.5% 5.36%
    10,000 RWH Finance Pty Ltd Jun 2033 IAB Senior Debt IG Infrastructure 7,056 70.56 AUD 3.5% 5.99%
    10,000 Sydney Airport Finance Nov 2030 CIB Senior Debt IG Infrastructure 15,852 158.33 AUD 7.8% 6.11%
    10,000 Barclays PLC Mar 2031 FCB Senior Debt IG Financials 10,697 102.73 AUD 5.3% 5.57%
    10,000 Australia and New Zealand Banking Group Ltd Feb 2033 FCB Tier 2 IG Financials 11,102 108.89 AUD 5.5% 5.38%
    10,000 Qantas Airways Limited Sep 2030 FCB Senior Debt IG Transportation 10,131 100.07 AUD 5.0% 5.24%
    10,000 Ampol Ltd Mar 2027 FRN Sub Debt IG Industrials 10,652 104.89 AUD 5.3% 5.02%
    10,000 Transurban Queensland Finance Pty Ltd Aug 2031 FCB Senior Debt IG Infrastructure 9,054 89.47 AUD 4.5% 5.13%
    10,000 Judo Bank Pty Ltd June 2028 FRN Tier 2 Sub IG Financials 10,867 108.72 AUD 5.4% 6.14%
    10,000 Clearview Wealth Limited Nov 2025 FRN Tier 2 Sub IG Financials 10,527 104.44 AUD 5.2% 5.23%
    10,000 Aurizon Network Pty Ltd Sep 2030 FCB Senior Debt IG Infrastructure 8,950 88.76 AUD 4.4% 5.19%
    10,000 DEXUS Finance Pty Ltd Feb 2032 FCB Senior Debt IG REIT 8,611 85.10 AUD 4.3% 5.55%
    10,000 QPH Finance Co Pty Ltd Jan 2031 FCB Senior Debt IG Infrastructure 8,976 88.77 AUD 4.4% 4.99%
    10,000 Ausnet Services Holdings Pty Ltd May 2033 FCB Sub Debt IG Utilities 10,518 105.12 AUD 5.2% 5.38%

    ^ Pricing as at 2 December 2024. Subject to change.

    Current retail bonds available

    To read further information about each bond, please click on the links below and view the Factsheet prepared by the FIIG Research team.

     

    Issuer

    Security

    Bond Type

    Industry Sector

    Structure

    Airservices Australia

    Airservices-3.25%-15May26

    FCB

    Industrials

    Senior Debt

    Airservices Australia

    Airservices-2.20%-15May30

    FCB

    Industrials

    Senior Debt

    Australia and New Zealand Banking Group Limited

    ANZ-BBSW+2.70%-12Aug27c

    FRN

    Financials

    Tier 2

    Australia and New Zealand Banking Group Limited

    ANZ-5.906%-12Aug27c

    FCB

    Financials

    Tier 2

    Australia and New Zealand Banking Group Limited

    ANZ-6.405%-20Sep29c

    FCB

    Financials

    Tier 2

    Australia and New Zealand Banking Group Limited

    ANZ-6.736%-10Feb33c

    FCB

    Financials

    Tier 2

    Australian Gas Networks Ltd

    AGN-ILB-3.04%-20Aug25

    CIB

    Utilities

    Senior Debt

    Australian Gas Networks Ltd

    AGN-2.82%-28Apr31

    FCB

    Utilities

    Senior Debt

    AMP Limited

    AMP-BBSW+4.65%-07Oct27c

    FRN

    Financials

    Tier 2

    Ampol Limited

    Ampol-BBSW+3.60%-09Mar26c

    FRN

    Energy

    SubDebt

    Ampol Limited

    Ampol-BBSW+3.40%-19Mar27c

    FRN

    Energy

    SubDebt

    Aurizon Holdings Limited

    AURFIN-3.00%-09Mar28

    FCB

    Industrials

    Senior Debt

    Aurizon Network Pty Ltd

    Aurizon-2.90%-02Sep30

    FCB

    Industrials

    Senior Debt

    AusNet Services Holdings Pty Ltd

    Ausnet-BBSW+3.10%-06Oct25c

    FRN

    Utilities

    AT1 

    AusNet Services Holdings Pty Ltd

    Ausnet-6.134%-31May33

    FCB

    Utilities

    Senior Debt

    Australian National University

    ANU-IAB-0%-7Oct29

    IAB

    Infrastructure

    Senior Debt

    Axiom Education Pty Ltd

    AXIOM-IAB-0%-30Dec32

    IAB

    Infrastructure

    Senior Debt

    Barclays-85x50
    Barclays PLC

    BARCLAYS-6.10%-24MAR31

    FCB

    Financials

    Senior Debt 

    Bendigo and Adelaide Bank Ltd

    BENAU-BBSW+1.48%-14Oct26c

    FRN

    Financials

    Tier 2

    Bank of Queensland Limited

    BOQ-BBSW+1.60%-29Jul26c

    FRN

    Financials

    Tier 2

    Bank of Queensland Limited

    BOQ-BBSW+1.75%-19May27c

    FRN

    Financials

    Tier 2

    Brisbane Airport Corporation Pty Ltd

    BRISAIR-4.50%-30Dec30

    FCB

    Infrastructure

    Senior Debt

    Commonwealth Bank of Australia

    CBA-4.946%-14Apr27c

    FCB

    Financials

    Tier 2

    Commonwealth Bank of Australia

    CBA-BBSW+1.90%-14Apr27c

    FRN

    Financials

    Tier 2

    Commonwealth Bank of Australia

    CBA-6.86%-09Nov27c

    FCB

    Financials

    Tier 2

    Commonwealth Bank of Australia

    CBA-BBSW+2.70-09Nov27c

    FRN

    Financials

    Tier 2

    Commonwealth Bank of Australia

    CBA-6.704%-15Mar33c

    FCB

    Financials

    Tier 2

    Civic Nexus Finance Pty Ltd

    CIVICNEXUS-IAB-0%-15Sep32

    IAB

    Infrastructure

    Senior Debt

    Challenger Life Company Ltd

    Challenger-7.186%-16Sep27c

    FCB

    Financials

    Tier 2

    ClearView Wealth Limited

    ClearView-BBSW+6.00%-05Nov25c

    FRN

    Financials

    Tier 2

    CPIF Finance Pty Limited

    CPIF-2.485%-28Oct30

    FCB

    REIT

    Senior Debt

    Defence Bank Limited

    DBA-BBSW+3.15%-17Feb26c

    FRN

    Financials

    Tier 2

    Dexus Finance Pty Ltd

    DEXUS-3.00%-03Feb32

    FCB

    REIT

    Senior Debt

    Genworth Financial Mortgage Insurance Pty Ltd

    Genworth-BBSW+5.00%-03Jul25c

    FRN

    Financials

    Tier 2 

    Heritage Bank Limited

    HERITAGE-BBSW+3.50%-24Jun25c

    FRN

    Financials

    Tier 2

    Insurance Australia Group Ltd

    IAG-BBSW+2.45%-15Dec26c

    FRN

    Financials

    Tier 2

    Incitec Pivot Ltd

    IncitecPivot-4.30%-18Mar26

    FCB

    Industrials

    Senior Debt

    JEM (Southbank) Pty Ltd

    JEM-IAB-0%-28Jun35

    IAB

    Infrastructure

    Senior Debt

    JEM (NSW Schools II) Pty Ltd

    JEM NSW Schools IAB-0%-28Feb31

    IAB

    Infrastructure

    Senior Debt

    JEM (NSW Schools II) Pty Ltd

    JEM NSW Schools IAB-0%-28Nov35

    IAB

    Infrastructure

    Senior Debt

    JudoBondLogo Judo Bank Pty Ltd

    JUDO-6.40%-26Sep25

    FCB

    Financials

    Senior Debt

    JudoBondLogo Judo Bank Pty Ltd

    JUDO-BBSW+5.00%-06Jun28C

    FCB

    Financials

    Senior Debt

    Lendlease Finance Ltd

    LENDLEASE-3.40%-27Oct27

    FCB

    Real Estate

    Senior Debt

    Lendlease Finance Ltd

    LENDLEASE-3.70%-31Mar31

    FCB

    Real Estate

    Senior Debt

    Liberty Financial Pty Ltd

    LibertyFin-BBSW+2.55%-25May26

    FRN

    Financials

    Senior Debt

    Liberty Financial Pty Ltd

    LibertyFin-BBSW+2.24%-17Mar25

    FRN

    Financials

    Senior Debt

    Liberty Financial Pty Ltd

    LibertyFin-BBSW+3.10%-05Apr27

    FRN

    Financials

    Senior Debt

    Macquarie Bank Limited

    MacqBank-BBSW+2.90%-28May25c

    FRN

    Financials

    SubDebt

    Macquarie Bank Limited

    MACQBANK-BBSW+2.70%-7Jun27c

    FRN

    Financials

    Tier 2

    Macquarie Bank Limited

    MACQBANK-6.082%-7Jun27c

    FCB

    Financials

    Tier 2

    Australia Pacific Airports (Melbourne) Pty Ltd

    MELBAIR-3.763%-25Nov31

    FCB

    Industrials

    Senior Debt

    MPC Funding Ltd

    MPC- IAB-31Dec25

    IAB

    Infrastructure

    Senior Debt

    MPC Funding Ltd

    MPC-IAB-31Dec33

    IAB

    Infrastructure

    Senior Debt

    MyState Limited

    Mystate-BBSW+4.35%-10Jul25c

    FRN

    Financials

    Tier 2

    MyState Limited

    Mystate-BBSW+2.75%-03Nov26c

    FRN

    Financials

    Tier 2

    National Australia Bank

    NAB-3.225%-18Nov26c

    FCB

    Financials

    Tier 2

    National Australia Bank

    NAB-6.322%-03Aug27c

    FCB

    Financials

    Tier 2

    National Australia Bank

    NAB-BBSW+2.80%-03Aug27c

    FRN

    Financials

    Tier 2

    National Australia Bank

    NAB-BBSW+2.02%-18Nov26c

    FRN

    Financials

    Tier 2

    National Australia Bank

    NAB-BBSW+4.00%-17Jul25c

    FRN

    Financials

    AT1

    National Australia Bank Limited

    NAB-4.95%-12Dec29c

    FCB

    Financials

    AT1

    NBN Co Limited

    NBN-2.20%-16Dec30

    FCB

    Utilities

    Senior Debt

    Origin Energy Finance Pty Ltd

    Origin-2.65%-11Nov27

    FCB

    Utilities

    Senior Debt

    Pacific National Finance Pty Ltd

    PacNational-5.25%-19May25

    FCB

    Industrials

    Senior Debt

    Pacific National Finance Pty Ltd

    PacNational-BBSW+2.60%-12May27

    FRN

    Industrials

    Senior Debt

    Pacific National Finance Pty Ltd

    Pacific National-3.80%-08Sep31

    FCB

    Industrials

    Senior Debt

    Pacific National Finance Pty Ltd

    PacNational-3.70%-24Sep29

    FCB

    Infrastructure

    Senior Debt

    Pacific National Finance Pty Ltd

    PacNational-5.40%-12May27

    FCB

    Infrastructure

    Senior Debt

    Plenary Health (Casey) Finance Pty Ltd

    PHF-IAB-0%-15Sep29

    IAB

    Infrastructure

    Senior Debt

    Plenary Justice (SA) Pty Ltd

    PJS-IAB-0%-15Jun30

    IAB

    Infrastructure

    Senior Debt

    People’s Choice Credit Union

    PCCU-BBSW+2.40%-16Sep26c

    FRN

    Financials

    Tier 2

    Qantas Airways Limited

    Qantas-3.15%-27Sep28

    FCB

    Industrials

    Senior Debt

    Qantas Airways Limited

    Qantas-2.95%-27Nov29

    FCB

    Industrials

    Senior Debt

    Qantas Airways Limited

    Qantas-5.25%-09Sep30

    FCB

    Industrials

    Senior Debt

    Qantas Airways Limited

    Qantas-4.75%-12Oct26

    FCB

    Transportation

    Senior Debt

    QBE Insurance Group Limited

    QBE-BBSW+2.75%-25Aug26c

    FRN

    Financials

    Tier 2

    QBE Insurance Group Limited

    QBE-BBSW+3.10%-28Jun29c

    FRN

    Financials

    Tier 2

    QPH Finance Co Pty Limited

    QPH Finance-2.85%-29Jan31

    FCB

    Infrastructure

    Senior Debt

    QPH Finance Co Pty Limited

    QPH Finance-6.392%-01Nov30

    FCB

    Infrastructure

    Senior Debt

    Resolution Life Australasia Limited

    ResolutionLife-BBSW+3.30%-09Dec25c

    FRN

    Financials

    Sub Debt

    RWH Finance Pty Ltd

    RWH-IAB-0%-30Jun33

    IAB

    Infrastructure

    Senior Debt

    Suncorp Group Ltd

    Suncorp-BBSW+2.30%-01Jun27

    FRN

    Financials

    Tier 2

    Sydney Airport Finance

    SYDAIR-ILB-3.12%-20Nov30

    CIB

    Infrastructure

    Senior Debt

    NSW Electricity Networks Finance Pty Limited

    Transgrid-2.543%-23Sep30

    FCB

    Infrastructure

    Senior Debt

    Transurban Queensland Finance Pty Ltd

    TRANSURBAN-3.25%-05Aug31

    FCB

    Infrastructure

    Senior Debt

    WestConnex Finance Pty Ltd

    WestConnex-3.15%-31Mar31

    FCB

    Industrials

    Senior Debt

    WestConnex Finance Company Pty Ltd

    WestConnex-6.15%-09Oct30

    FCB

    Infrastructure

    Senior Debt

With FIIG’s DirectBonds service, you can choose from over 600+ corporate and government bonds to build a portfolio and achieve a target return. Each month we compile a selection of our top bonds to provide an example portfolio for retail investors. To view the entire portfolios, click the download button.

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^Please note the indicative yield shown is the minimum expected yield to worst (YTW).

* 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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