Investors Flock to Fixed-Term Products Amid Market Jitters
London, Thursday, 22 January 2026.
Lismor Capital reports a surge in demand for fixed-term investments as investors seek stability. This shift reflects a desire to manage risk amid economic uncertainty, with fixed-rate bonds offering defined outcomes.
Flight to Safety
As of today, January 22, 2026, Lismor Capital, a London-based firm with operations in the UK and Australia, has observed a significant increase in investor allocations towards fixed-income strategies [1]. This trend is particularly noticeable among high-net-worth individuals, family offices, and international clients [1]. Investors are showing a preference for transparent structures, defined maturities, and established issuers, seeking clarity and control in their investment portfolios [1].
Fixed-Income Strategies
Lismor Capital’s advisory teams in London and Australia are actively assessing fixed-income allocations based on individual investment goals, time horizons, and risk tolerance, emphasizing diversification [1]. Their clients are strategically combining fixed-income investments with equities, private markets, and pre-IPO opportunities [1]. This approach allows investors to anchor their portfolios with fixed-rate bonds while still maintaining exposure to growth-oriented positions [1].
Certificates of Deposit (CDs) as an Alternative
Another avenue for investors seeking fixed-term products is through Certificates of Deposit (CDs), offered by banks and credit unions [6]. A CD is a savings account that offers a fixed interest rate in exchange for keeping the money deposited for a specific term [6]. Royal Bank, for example, offers CDs with terms ranging from 91 days to four years, with a minimum deposit of $500 [5]. These CDs may offer higher interest rates than traditional savings accounts [5].
Current CD Rates and Options
As of December 31, 2025, various financial institutions offered competitive CD rates [6]. For instance, OMB Bank offered a 3-month CD with a 4.11% APY (Annual Percentage Yield) with a minimum deposit of $1,000, while United Fidelity Bank offered a 6-month CD with a 4.20% APY, also with a minimum deposit of $1,000 [6]. Connexus Credit Union offered a 7-month CD with a 4.50% APY, requiring a minimum deposit of $5,000 [6]. For longer terms, First National Bank of America offered a 10-year CD with a 3.80% APY and a minimum deposit of $1,000 [6]. These options provide investors with a range of choices to align with their investment timelines and risk preferences.