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Retail Bond Expert Blog

14th Oct

Charity Begins at Homes: Hightown Housing Association issues a Retail Charity Bond offering 4% p.a. due 2027

Charity Begins at Homes: Hightown Housing Association issues a Retail Charity Bond offering 4% p.a. due 2027

Hightown, the Hertfordshire-based landlord, which currently owns 5,300 properties, is offering a fixed term investment via the Retail Charity Bond platform

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10th Oct

Wise Alpha looks to tempt retail bond investors with Smart Interest

Wise Alpha looks to tempt retail bond investors with Smart Interest

New platform allows retail investors to invest in corporate bonds and choose their return and duration

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22nd Sep

Building a better future -Select Property Group announces 6% retail bond due 2023

Building a better future -Select Property Group announces 6% retail bond due 2023

Select Property Group has today announced the offer of sterling-denominated retail bonds offering 6% p.a. due 2023

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21st Sep

Vanguard launches active bond fund targeting UK income investors

Vanguard launches active bond fund targeting UK income investors

Vanguard, the world’s second-largest asset manager, has continued to target the UK market by announcing the launch of an actively managed bond fund

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13th Sep

……the Bond that came in from the cold

……the Bond that came in from the cold

Retail Bond Expert’s Mr Bond considers whether there’s a ‘third way’ in the ongoing quest for income

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20th Jul

Specialist lender LendInvest issues 5.25% retail bond due 2022

Specialist lender LendInvest issues 5.25% retail bond due 2022

Mortgage lender LendInvest is looking to raise £50 million by issuing a five-year retail bond offering 5.25%

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20th Jun

The Dolphin Square Charitable Foundation Retail Charity Bond 4.25% due 2026

The Dolphin Square Charitable Foundation Retail Charity Bond 4.25% due 2026

Retail Charity Bonds PLC today announced the launch of The Dolphin Square Charitable Foundation Retail Charity Bond offering 4.25% due 6th July 2026.

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20th May

Burford 5% retail bond closes early - £175 million raised in just one week

Burford 5% retail bond closes early - £175 million raised in just one week

Lead manager Peel Hunt pulled stumps early on its most recent retail bond issue as Burford Capital raced to £175 million in just one week.

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13th May

It’s a Retail Bond M’lud: Burford Capital offers 5% p.a. until December 2026

It’s a Retail Bond M’lud: Burford Capital offers 5% p.a. until December 2026

Burford Capital, a company that provides litigation finance and in which rock star fund manager Neil Woodford holds a 10% stake has launched a retail bond offering investors a coupon of 5% over nine and a half years

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2nd May

You want it back when......? Wasps likely to refinance 6.5% bond due 2022

You want it back when......? Wasps likely to refinance 6.5% bond due 2022

Chief exec David Armstrong to step down as Wasps seem likely to refinance its retail bond

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3rd Apr

……the Bond that came in from the cold

……the Bond that came in from the cold

Retail Bond Expert’s Mr Bond considers whether there’s a ‘third way’ in the ongoing quest for income

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15th Mar

Demand for Retail Bonds remains high as Greensleeves Care calls time

Demand for Retail Bonds remains high as Greensleeves Care calls time

Retail Charity Bonds plc has announced that award winning care home provider Greensleeves Care has closed the books on its retail bond fully ten days before its planned deadline of 12 noon on 24th March.

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8th Mar

Greensleeves Care issues Retail Charity Bond offering 4.25% due 2026

Greensleeves Care issues Retail Charity Bond offering 4.25% due 2026

Award winning care home provider offers investment opportunity to investors starved of retail bonds

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4th Feb

Premier Oil Retail Bond Trades up 4.27% as Debt Refinancing Deal is Agreed

Premier Oil Retail Bond Trades up 4.27% as Debt Refinancing Deal is Agreed

Following nine months of negotiation, North Sea oil explorer, Premier Oil, has agreed the terms of its long-awaited debt refinancing

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29th Nov

Places for People Returns to ORB with a 2023 Bond Paying 4.25%

Places for People Returns to ORB with a 2023 Bond Paying 4.25%

Pre-Christmas cheer for income seekers with only the fourth issue on ORB in 2016

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23rd Nov

Good News for Bondholders as Premier Oil Closes in on Refinancing Deal

Good News for Bondholders as Premier Oil Closes in on Refinancing Deal

Premier Oil seems set to secure the biggest debt refinancing deal in the North Sea

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22nd Sep

‘Buy British and List on the LSE’ - It’s all About the Listing says Mr Bond

‘Buy British and List on the LSE’ - It’s all About the Listing says Mr Bond

As mini-bonds issuer Providence Financial goes bust taking £10m of income seekers hard-earned with it, Retail Bond Expert’s Mr Bond explains the importance of its listing venue when considering a bond as an investment.

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9th Sep

Investors Sweat as Mini-bond Issuer Goes Bust

Investors Sweat as Mini-bond Issuer Goes Bust

‘Too good to be true’ Providence Financial bonds prove to be just that

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25th Aug

Shhocking: 'Are Some Bond Issues Equities Masquerading as Debt?' asks Mr Bond

Shhocking: 'Are Some Bond Issues Equities Masquerading as Debt?' asks Mr Bond

As part of its ongoing campaign to see investors better educated, RBE’s Mr Bond lifts the lid on some of the markets worst excesses - 'don’t take shareholder risks for bondholder rewards'

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22nd Jul

All Bonds are not Born Equal…….Mr Bond Explains

All Bonds are not Born Equal…….Mr Bond Explains

As a champion of the market RBE has become increasingly concerned by a number of recent issues and the risks they present to investors.

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16th Jun

Supreme Court Blow to Investors Banking on Lloyds’ Bonds

Supreme Court Blow to Investors Banking on Lloyds’ Bonds

£3.3bn bond buyback declared legal depriving retail investors of up to 16% interest

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1st Jun

A Gusher for the DIY Investor as EnQuest Hikes Retail Bond Coupon to 7%?

A Gusher for the DIY Investor as EnQuest Hikes Retail Bond Coupon to 7%?

The North Sea oil operator has breached a covenant of its retail bond and raised the coupon on its 2022 bond from 5.5% to 7.0%

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19th Apr

Worth a Try? Quins issues 5.5%-Mini Bond

Worth a Try? Quins issues 5.5%-Mini Bond

Harlequins seeks to raise £7.5 million to fund future development with 5 year mini-bond

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6th Apr

No Further Questions – Burford Launches Eight Year Bond Offering 6.125%

No Further Questions – Burford Launches Eight Year Bond Offering 6.125%

Burford Capital, a company that provides litigation finance and in which rock star fund manager Neil Woodford holds a 10% stake has launched a retail bond offering investors a coupon of 6.125% over eight years

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30th Mar

5% Retail Charity Bond Closes a Week Early

5% Retail Charity Bond Closes a Week Early

Retail Charity Bonds PLC announces the early closure of the Charities Aid Foundation Retail Charity Bond offering 5% due 2026

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22nd Mar

Alpha Plus Holdings Plc 5% Retail Bond Closes Early

Alpha Plus Holdings Plc 5% Retail Bond Closes Early

Early Closure of Offer Period for Alpha Plus Holdings Plc 5% secured retail bond due 2024

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22nd Mar

10 Year Retail Charity Bond Launch Offers 5%

10 Year Retail Charity Bond Launch Offers 5%

Retail Charity Bonds PLC today announces the launch of the Charities Aid Foundation Retail Charity Bond offering 5% due 2026

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17th Mar

11th Dec

Is There an Alternative for Investors Starved of Retail Bonds?

Is There an Alternative for Investors Starved of Retail Bonds?

The low interest rate environment of recent years has made the hunt for yield more difficult and as I highlighted in the last edition of DIY Investor Magazine, demand from investors for retail bonds has outstripped supply leaving investors frustrated by the shortage of issuance.

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5th Nov

Providing Solar Energy Where the Sun Shines

Providing Solar Energy Where the Sun Shines

Solar power is becoming increasingly prominent in India and the sector is generating considerable interest among investors with over $4.5 billion of new investments announced in the last twelve months.

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22nd Sep

12th Aug

Specialist Lender Paragon Group Offers Retail Investors 6% Returns

Specialist Lender Paragon Group Offers Retail Investors 6% Returns

Nine year retail bond gives investors the opportunity to benefit from the growth in the UK's buy-to-let sector

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7th May

Early Bath – Wasps’ Retail Bond Attracts Strong Support

Some hours ahead of the planned deadline of 5pm on 6th May, Wasps announced that the offer period of its retail bond was closed having achieved its target of £35m target in just ten days.

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28th Apr

In Conversation – Mr Bond and Wasps Chief Executive David Armstrong

In Conversation – Mr Bond and Wasps Chief Executive David Armstrong

In this exclusive interview Mr Bond tries Wasps’ Chief Exec David Armstrong with some searching questions – and appears to have been converted.

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27th Apr

Wasps Launches 6.50% Secured Bonds due 2022

Wasps today became the first sports business to launch a retail bond

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17th Apr

You want it Back When?

Worth a Try? Wasps Set to Launch £30 million Bond.

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11th Apr

Charity Begins With Homes - Retail Charity Bond Offers Smaller Investors 4.4% p.a. due 2015

Charity Begins With Homes - Retail Charity Bond Offers Smaller Investors 4.4% p.a. due 2015

Hightown Praetorian & Churches Housing Association (Hightown) has launched a Retail Charity Bond, offering small investors a ‘unique opportunity’ to invest in charitable activities in their local community.

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10th Apr

Trade Finance

Trade Finance

"World can run without money and currencies but not without business and trade.” Amit Kalantri

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10th Apr

Wellesley Offers up to 5.25% With ISA Eligible Bond Based on Peer-to-Peer Lending

Wellesley Offers up to 5.25% With ISA Eligible Bond Based on Peer-to-Peer Lending

In February, peer-to-peer lender Wellesley unveiled the first ever ISA compliant retail bond that invests in loans on its platform; it delivers 4%, tax free for a three year investment and 5.25% for five.

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10th Apr

Green Shoots for Retail Bonds?

Spring appears to have sprung

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23rd Jul

30th Jun

Charity Retail Bonds Launch on ORB

Charity Retail Bonds Launch on ORB

Mencap's Property Arm Offers a Seven Year Bond at 4.4% p.a

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29th May

20th Feb

The deadline is looming, but which platform for the DIY ISA Investor?

The deadline is looming, but which platform for the DIY ISA Investor?

Retail Bond Expert takes a look at the considerations

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8th Feb

ORB Blossoms as it Celebrates its Fourth Anniversary and Government Support

At a well-attended event at the London Stock Exchange to mark the fourth anniversary of the launch of its Order Book for Retail Bonds, participants from all sectors of the market came together to celebrate its success to date and look forward to its prospects for the future.

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29th Jan

ORB Set to Celebrate Fourth Anniversary as ‘Mini-Bond’ puts the Wind up Investors

ORB Set to Celebrate Fourth Anniversary as ‘Mini-Bond’ puts the Wind up Investors

Retail Bond Expert highlights the need for standardised definitions in the lead up to ORB celebrations

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23rd Jan

Para gone! Buy-to-Let Lender Impresses as Retail Bond Closes Early

Para gone! Buy-to-Let Lender Impresses as Retail Bond Closes Early

Positive response from investors prompts early closure

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14th Jan

9th Jan

28th Dec

That Was the Year That Was – RBE Round  up 2013

That Was the Year That Was – RBE Round up 2013

A look at the past 12 months in the AIM and Bond markets

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6th Dec

Osborne Autumn Statement Leaves Hope for Retail Bonds

Osborne Autumn Statement Leaves Hope for Retail Bonds

Consultation could lead to relaxing of rules around time to maturity as Treasury plots ISA rule change

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4th Dec

More Rounded Proposition from ORB

More Rounded Proposition from ORB

LSE plans to introduce a broader fixed-income trading service

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3rd Dec

Absolution or Hobson’s Choice? Bondholders Back Co-op Bank's Plans

Absolution or Hobson’s Choice? Bondholders Back Co-op Bank's Plans

Relief at Co-op Bank as 99.9% of bondholders vote to approve recapitalisation plan.

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29th Nov

For Your Eyes Only - Mr Bond in Conversation with Premier Oil Finance Director Tony Durrant

For Your Eyes Only - Mr Bond in Conversation with Premier Oil Finance Director Tony Durrant

Following the launch of its first retail bond in the UK Retail Bond Expert is delighted to have had the opportunity to speak to FD Tony Durrant who, in this unique interview, tells us more about the strategy that underpins £1.8 billion FTSE 250 oil exploration company Premier Oil and shares his thoughts about the Order Book for Retail Bonds (ORB).

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25th Nov

Premier Oil Maintains Flow of Retail Bonds, Offering 5% due 2020

Premier Oil Maintains Flow of Retail Bonds, Offering 5% due 2020

FTSE 250 oil exploration firm latest to launch on ORB

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20th Nov

EnQuest Returns to the Well with ‘Tap’ Retail Bond Offer

EnQuest Returns to the Well with ‘Tap’ Retail Bond Offer

Oil company issues ‘top up’ on the retail bond launched earlier in the year.

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5th Nov

A Loan Again, Naturally? IPF Seeks to Repeat 6.125% Retail Bond Success

A Loan Again, Naturally? IPF Seeks to Repeat 6.125% Retail Bond Success

International Personal Finance launches second tranche of its BB+ rated, seven year retail bond.

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15th Oct

Royal Mail Frenzy Highlights Appetite for Income Investing

Royal Mail Frenzy Highlights Appetite for Income Investing

Mr Bond looks at the appetite for private share ownership and investing for income

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3rd Oct

A2D Funding Raises £150m in Record Time

A2D Funding Raises £150m in Record Time

Housing Association bond attracts investors

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1st Oct

25th Sep

The Tortoise and the Hare – but not a SIPP of Wine

The Tortoise and the Hare – but not a SIPP of Wine

Retail Bond Expert confirms the need for caution as borrowers tempt investors with a whole range of both listed and unlisted bonds, and asks if it is time for industry standard product definitions.

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21st Sep

Bond Holder Fury as Co-op’s Sutherland Insists There is ‘No Plan B’

Bond Holder Fury as Co-op’s Sutherland Insists There is ‘No Plan B’

Enraged bond holders call for an alternative strategy to fill the hole in Co-op Bank balance sheet, but intransigent borrower insists there is no alternative.

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27th Aug

The Only Way is Ethics – Co-op Bank Bond Holders Fight ‘Bail-In’

The Only Way is Ethics – Co-op Bank Bond Holders Fight ‘Bail-In’

With Thursday’s half-yearly figures expected to show the full extent of the problems at the troubled Co-operative Bank, bond holders have united in their opposition to proposed plans to exchange their debt for equity, and have taken their case to the Bank of England – and beyond!

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21st Aug

Fork 'andles

Fork 'andles

‘Fork ‘andles’ – Mr Bond Says Make Sure You Know What you are Buying

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8th Aug

Bold Carney Looks for Stability as UK Economy Recovers

Bold Carney Looks for Stability as UK Economy Recovers

As the Governor of the Bank of England delivers his most significant policy statement since taking office, Mr Bond considers the likely impact of a protracted period of low interest rates.

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6th Aug

Going up. Or Down. The Paradox of the ‘Bond Bubble’.

Going up. Or Down. The Paradox of the ‘Bond Bubble’.

Mr Bond considers the recent exodus from bond funds

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12th Jul

Cause for Concern as Grafton Group Withdraws Bond Issue?

Cause for Concern as Grafton Group Withdraws Bond Issue?

construction firm fails to attract enough investors

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3rd Jul

Bruntwood Investments plc launch 6% retail bond offer

Bruntwood Investments plc launch 6% retail bond offer

Family owned property group looks to raise £70m

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24th Jun

ORBIG Predicts Green Light for Independent Ratings

ORBIG Predicts Green Light for Independent Ratings

Following its campaign to ensure that investors are provided with sufficient information to allow them to make informed investment decisions and objectively weigh the merits of the retail bonds on offer, Retail Bond Expert (RBE).

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19th Jun

Co-op Bank Bailout Confirms Need for Caution

Co-op Bank Bailout Confirms Need for Caution

Painfully low interest rates attract savers and investors to higher rates of return

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12th Jun

Helical Bar close offering ahead of schedule

Helical Bar close offering ahead of schedule

Retail Bond raises £80m a week early

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7th Jun

Caveat Emptor – Mr Bond Urges Caution When Purchasing 'Retail Bonds'

Caveat Emptor – Mr Bond Urges Caution When Purchasing 'Retail Bonds'

knowing the difference between retail bonds, mini-bonds and private placings

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4th Jun

Helical Bar aim high with launch of 6.00% retail bond

Helical Bar aim high with launch of 6.00% retail bond

Property Development and Investment Company raise the bar

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16th May

Nuffield Health see fit to launch 6% 'mini bond'

Nuffield Health see fit to launch 6% 'mini bond'

Nuffield Health follows in the footsteps of the Jockey Club with new 'mini bond'

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1st May

Uncovering the Retail Bond Market

Uncovering the Retail Bond Market

Elise Huttenga of IDCM discusses the appeal and growth of the retail bond market

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1st May

Retail Bond Boom to Continue Despite Crowded Market

Retail Bond Boom to Continue Despite Crowded Market

Eden Riche of Investec outlines the risks and opportunities ahead

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26th Apr

Back to the Future – Numis Predicts a Positive Future for UK Retail Bond Market

Back to the Future – Numis Predicts a Positive Future for UK Retail Bond Market

Numis Securities paint positive picture at conference at LSE

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25th Apr

The Jockey Club jumps into the market with 7.75% 'retail bond'

The Jockey Club jumps into the market with 7.75% 'retail bond'

Britain's second biggest spectator sport looks to the consumer to raise money with its loyalty bond

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23rd Apr

IPF retail bond closes early at top end of expectation

IPF retail bond closes early at top end of expectation

Early closure of IPF offer shows strength of UK retail bond market with £70m raised

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16th Apr

IPF hopes for high level of interest with 6.125% Retail Bond launch

IPF hopes for high level of interest with 6.125% Retail Bond launch

International home credit service company enters the retail bond market

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27th Mar

Investment Grade Opportunities for the Retail Investor via Exchange and BondMart

Investment Grade Opportunities for the Retail Investor via Exchange and BondMart

The launch marks an important new development for the retail bond market

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26th Mar

Inflation: the biggest threat to your bond portfolio?

Inflation: the biggest threat to your bond portfolio?

Phillip Gilbert of Linear Investments poses the question

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22nd Mar

13th Mar

City Profile appointed by new retail bond association

City Profile appointed by new retail bond association

City Profile has been appointed as the corporate communications adviser to ORBIG, (Order Book for Retail Bond Issuer Group

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17th Feb

Savers Turn to Bonds For Inflation Beating ISA Returns

Savers Turn to Bonds For Inflation Beating ISA Returns

With only six weeks left to make use of the 2012-2013 ISA allowance, savers and investors are increasingly considering retail bonds as a way to achieve above-inflation returns.

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13th Feb

Paragon Tempts the Market at 6%

Paragon Tempts the Market at 6%

Hot on the heels of the success of the £145m issue by North Sea oil company EnQuest, Paragon, Britain's largest specialist buy-to-let mortgage lender is the latest company to offer a bond directly to investors...

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12th Feb

Celebrating Three Years of ORB and £3bn of Funding

Retail Bond Expert is proud to have taken part in celebrations at the London Stock Exchange to mark the third anniversary of the Orderbook for Retail Bonds (ORB).

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11th Feb

EnQuest Strikes a £145m Bond Success

EnQuest Strikes a £145m Bond Success

North Sea oil operator EnQuest revealed that it raised £145m from issuing a 10-year bond

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5th Feb

FTSE ORB Index Series has launched

FTSE ORB Index Series has launched

A new FTSE ORB Index Series has launched. These new retail bond indices measure the performance of bonds listed on ORB, Order book for Retail Bonds, the LSE’s retail orientated trading platform

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31st Jan

Retail Bonds - A New Market for Investors Event 20th Feb 2013

Since the Summer of 2012, the London Stock Exchange’s platform for retail bond issuance has witnessed rapid growth

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24th Jan

First Launch of 2013 as EnQuest Announces 5.5% Retail Bonds

Independent North Sea oil producer EnQuest has launched a long-dated unrated 5.5% retail bond, due in 2022.

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4th Dec

TULLETT PREBON Brokers Deal Early

Tullett Prebon, the world’s second largest inter-broker dealer, has confirmed that the 5.25% retail bond announced on Retail Bond Expert on 22nd November will now close early at 1.00 p.m on Wednesday 5th December.

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2nd Dec

Goldfinder – Mr Bond Considers the Latest Issues

This has been the most prolific year to date for the retail bond market since the launch of ORB in 2010.

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27th Nov

Alpha Plus Holdings plc launches 5.75% secured retail bond

Alpha Plus Holdings plc, which owns and operates independent schools, colleges and nurseries throughout the UK, has launched a 5.75% sterling bond due 2019 secured against certain real estate and other assets of the Group

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26th Nov

Stobart Cancels Delivery of Retail Bond

Retail Bond Expert has learned this afternoon that Stobart Group has shelved its plans to enter the retail bond market by canceling the proposed launch of the 5.5% per annum fixed rate six year sterling bond announced on 13th November.

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25th Nov

A Case for Investing? Savers Squeezed as Only 30% of Accounts Beat Inflation

A Case for Investing? Savers Squeezed as Only 30% of Accounts Beat Inflation

Only 30% of savers operate savings accounts that beat the current rate of inflation, according to a survey of over 2,000 people commissioned by lend-to-save firm RateSetter, which concluded that the vast majority of savers get negative returns from their savings accounts.

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22nd Nov

Tullett Prebon Announces Retail Bond at 5.25%

Tullett Prebon, the world’s second largest inter-broker dealer has today announced the issue of a retail bond on ORB.

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22nd Nov

Stobart Delivers Early; Alpha Plus Targets A* Performance

Retail Bond Expert has learned that Carlisle-based transport and logistics company Stobart Group has achieved its relatively modest target of £25m with its six year 5.5% retail bond, and will close the offer tomorrow, November 23rd. <br/><br/>

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21st Nov

UNITE Retail Bond Confirmed

As predicted by Retail Bond Expert on 17th November Unite Group has become the latest property company to seek to diversify its funding structure by launching a retail bond on ORB.

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13th Nov

Stobart Retail Bond Issue Confirmed

As reported by Retail Bond Expert on November 7th, UK haulage business Stobart Group has confirmed that it will be launching a retail bond on the LSE’s Order Book for Retail Bonds (ORB).

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7th Nov

Stobart Ready to Deliver?

Stobart Ready to Deliver?

Following what is understood to have been a successful roadshow assessing the appetite of retail stockbrokers and wealth managers, Stobart Group, the FTSE 250 logistics company is believed to be about to issue a sterling-denominated retail bond.

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1st Nov

Retail Bond Market Tops £1bn in 2012

With bank lending remaining scarce, the recent trend towards companies raising finance from their customers by issuing retail bonds has continued apace such that total issuance is set to exceed £1bn 2012.

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1st Nov

St Modwen Retail Bond Issue Raises £80m

The offer period for Birmingham-based developer St Modwen's first retail bond closed on 31st October with £80m to be issued.

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29th Oct

Private Investors Optimistic for Economic Recovery

63 per cent of UK private investors feel optimistic about the UK economy over the next 12 months, up from 47 per cent one year ago, according to a survey of over 1,000 investors by London Stock Exchange and research firm ONVA.

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29th Oct

25th Oct

London Stock Exchange Group’s Issues Largest Bond to Date through ORB

The London Stock Exchange Group plc (LSE) has today announced that the offer period for its 9 year sterling denominated 4.75% bond, which began on 16 October has now expired. The final offer size of £300 million will make this the largest corporate bond to be issued through LSE’s Order book for Retail Bonds (ORB) to date. The issue will bring the total amount raised on ORB, since the market was established two years ago, to over £2.5 billion.

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23rd Oct

London Stock Exchange retail bond closes early

As further proof of the burgeoning popularity of retail bonds the London Stock Exchange Group (LSE) offer with a coupon of less than 5 per cent has closed early due to popularity.

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18th Oct

St Modwen Launches Retail Bond

St Modwen (SMP) has become the latest property company to launch a retail bond, allowing it to raise finance directly from small private investors too risk-averse to consider its shares. The proposed bond comes with a coupon of 6.25 per cent - the highest yet in the sector.

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12th Oct

Understanding the Risks as the UK Retail Bond Market Develops

Understanding the Risks as the UK Retail Bond Market Develops

The rapidly developing UK retail corporate bond market is attracting a more diverse range of issuers and this has raised concerns that some investors may not fully understand the potential losses they could be exposed to.

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10th Oct

FTSE extends rally on more positive US jobs figures

The FTSE 100 closed 53 points, or 0.9% higher at 5,829 after the latest batch of US job figures indicated a sustained recovery in the country’s employment levels.

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9th Oct

Questions and Answers

Here we answer your questions on Retail Bonds and help you to understand what they are and how to invest. Just send us your question and we will provide the answer here.

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7th Oct

Bonds vs Bond Funds

Bonds vs Bond Funds

Bond funds undoubtedly have some advantages, the strongest of which is the ready-made diversification of a pooled investment. By utilising a fund, the diversification benefits of a hundred or more individual bond holdings can be had at the click of a mouse, with the attendant reduction in transaction costs in comparison to individual bond purchases. However, bond funds could be argued to be less attractive than holding bonds directly for two reasons.

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30th Sep

In Praise of the Retail Distribution Review

In Praise of the Retail Distribution Review

The Financial Services Authority (FSA), the City regulator, is introducing a package of important reforms at the end of this year which will affect everyone saving for a pension or investing in an ISA.

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25th Sep

Saving or Investing: Can you beat inflation?

Saving or Investing: Can you beat inflation?

As of August 2012, instant access accounts offered just 0.22% interest and deposit accounts 1.51%. Meanwhile cash ISAs offered an average of just 0.66% while fixed-term savings bonds paid more, but only 2.49% a year.

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