Fixed income products, such as bonds, are important for individuals who wish to invest their money in a balanced portfolio. Bonds can add stability and diversification to the portfolio.

The bulk of the bonds are issued as a means of obtaining long-term financing on a fixed cost basis, and payments made on an annual or semi-annual basis, mostly by borrowers, are known as coupon.

The creditworthiness of the borrower, the currency chosen, the period of issuance of bonds, the current market conditions, and the willingness of investors to invest in a similar type of bond previously issued. And sell them to other investors during the life of the bond, giving the investor a higher level of flexibility to adjust his portfolio if his outlook on interest rates later changes.