Helping investors build diversified portfolios through professionally managed fixed income, private credit and alternative income strategies.
Investing for Income
Building Diversified Income Portfolios Through Active Investment Management.
Fixed income investments continue to play an important role in diversified portfolios by providing regular income, helping preserve capital and managing portfolio risk.
At B. Moses Group, our approach extends beyond traditional fixed income securities. We combine high-quality fixed income investments with private credit and alternative income strategies to help investors access multiple sources of income across changing market conditions.
Through disciplined research, active portfolio management and ongoing portfolio oversight, we construct income-focused investment solutions designed to support long-term financial objectives.
Our Investment Philosophy
Every investor has different income requirements, investment objectives and risk tolerance.
Rather than relying on a single investment or asset class, we build diversified income portfolios that combine complementary investments designed to balance income generation, capital preservation and long-term portfolio resilience.
Our investment decisions are guided by disciplined research, active portfolio management and ongoing monitoring as market conditions evolve.
Fixed Income Solutions
Our fixed income capability spans a broad range of traditional and alternative income investments designed to support diversified portfolios and long-term investment outcomes.
By combining complementary sources of income, we seek to enhance portfolio diversification while maintaining a disciplined approach to income generation and risk management.
Our investment capabilities include:
- Government Securities
- Corporate Bonds
- Floating Rate Securities
- Private Credit
- Mortgage-Backed Investments
- Structured Credit
- Alternative Fixed Income Investments
- Income-Focused Managed Portfolios
Why Fixed Income?
Fixed income investments can play an important role within a diversified investment portfolio. When combined with growth assets, fixed income investments can help create a more balanced and resilient investment portfolio.
Depending on an investor’s objectives, they may assist in:
- Generating regular income
- Preserving capital
- Improving portfolio diversification
- Managing investment risk
- Reducing overall portfolio volatility
How Fixed Income Investing Works
Fixed income investments are generally designed to provide investors with regular income over an agreed investment term, with capital typically repaid at maturity, subject to the terms of the investment.
Fixed & Floating Rate Investments:
Income payments may be based on either a fixed or floating interest rate.
A fixed rate investment pays a predetermined rate of interest throughout the investment term, providing greater certainty over expected income payments.
A floating rate investment pays interest based on a benchmark interest rate plus an agreed margin. As the benchmark changes, the income paid to investors adjusts accordingly.
For example, where an investment pays BBSW + 4.00%, the applicable payment rate is determined by adding the agreed margin of 4.00% to the prevailing Bank Bill Swap Rate (BBSW) for the relevant payment period.
Income Payments:
Income distributions are generally paid in arrears on a monthly, quarterly, semi-annual or annual basis, depending on the terms of the investment.
Receiving distributions more frequently may allow investors to reinvest income sooner, potentially enhancing long-term investment outcomes.
Maturity:
Where an investment is held until maturity, investors generally receive repayment of their invested capital in accordance with the terms of the investment. This repayment is commonly referred to as redemption.
Some investments may also provide the issuer with the right to redeem the investment prior to its scheduled maturity, subject to the governing terms and conditions.
Selling Before Maturity:
Where a fixed income security is listed and an investor wishes to exit before maturity, it may be sold on the relevant securities exchange, subject to market liquidity.
The sale price may be above or below the original investment value depending on prevailing market conditions, interest rates and investor demand.
Interest Rate Movements:
The value of fixed income investments may change over time as market interest rates move.
Generally, when market interest rates rise, the value of existing fixed-rate investments may decline. Conversely, when market interest rates fall, the value of existing fixed-rate investments may increase.
Private Credit & Alternative Income
Investment opportunities continue to evolve beyond traditional bond markets.
Private credit and alternative income investments can provide investors with access to diversified sources of income that may complement traditional fixed income securities.
These opportunities may include privately negotiated lending, mortgage-backed investments, structured credit and specialist income strategies that are actively managed alongside broader portfolio objectives.
At B. Moses Group, we consider traditional and alternative income investments as part of an integrated portfolio construction process designed to improve diversification and long-term income generation.
Understanding Fixed Income Risk
Like all investments, fixed income investments carry risk.
Factors such as interest rate movements, inflation, credit quality, market conditions and investment duration may influence investment performance.
Diversification, disciplined investment selection and active portfolio management play an important role in managing these risks as part of a broader investment strategy.
Importance of Fixed Income Investments in a Portfolio
Successful investing is built on thoughtful portfolio construction rather than individual investment selection.
Fixed income investments should be considered alongside other asset classes to help balance income generation, capital growth and overall portfolio risk.
Our portfolio construction process considers how each investment contributes to diversification, resilience and long-term investment objectives within the broader portfolio.
