A Return That’s Becoming Attractive Again

For years, fixed income was seen as a conservative, almost boring choice. But 2024 and 2025 have flipped the script. In an environment of persistent inflation, high interest rates, and stock market volatility, many investors are rediscovering its value.

With the Euribor above 3%, bonds and other fixed income products have regained attractive margins. This has led many to reassess the risk-return balance in portfolios that previously prioritized equities.

According to the latest ECB report, demand for fixed income products has grown by 18% over the past 12 months, especially among conservative retail investors.

Stability as an Asset

Beyond returns, fixed income offers something that’s worth gold today: predictability. Monthly payments, locked-in contracts, and well-defined guarantees are increasingly valuable when economic noise intensifies.

In this context, products offering fixed interest with tangible backing (such as real estate assets) are positioning themselves as solid alternatives for investors who want security without giving up returns.

The Generational Shift

It’s not just those over 60 who are turning to fixed income. Many savers aged 30 to 45 are entering this market for the first time, looking for products that allow them to grow without unpleasant surprises.

Conclusion

The return of fixed income is not a fad—it’s an adaptation. In uncertain times, many prefer to know exactly how much they’ll earn each month rather than cross their fingers watching the market. This shift in mindset is reshaping the investment landscape in Europe.