The Blossom Fund, like any fixed income fund, carries risk. Blossom targets a fixed return but does not guarantee the return.

The Blossom Fund, like any fixed income fund, carries risk. Blossom targets a fixed return but does not guarantee the return.

We have 5 main reasons why we are confident about our targeted returns:


1. The Blossom Fund has had 100% positive months since inception. This means that we’ve met our target return and posted it to customers every single day since launch.
2. Experienced team - Blossom has partnered with an expert team with 21 years of experience in fixed income at UBS and the Reserve Bank of Australia.
3. Fixed income investing - the underlying investments of the Fund will be in fixed income investments. This allows for a more predictable and reliable return than many other asset classes. Fixed income investing is exactly what it sounds like, investments that pay a 'fixed rate': corporate bonds, government bonds, mortgage-backed securities and more.
4. If the Blossom Fund returns are below the targeted return (i.e. the Class in the Blossom Fund is underperforming), the threshold manager has the sole discretion to make payments to the Blossom Fund to meet the targeted return for that Class.
5. Diversified strategy – the Blossom Fund has 400+ underlying investments. These investments have an average rating of investment grade, to maintain over time, an average portfolio rating of BBB. Investment grade bond defaults in Australia have been very rare. The strategy uses investing across multiple financial institutions and corporations, rather than having all the risk weighted to one institution. This creates a better diversified strategy.

Past performance is not indicative of future performance. For more information about our strategy and significant risks, please read our [PDSs, TMDs](https://www.blossomapp.co.nz/documents) and [FAQs](https://help.blossomapp.com/articles).

Is there risk involved in my investment?

Why have I not been seeing my earnings grow?

Is my capital guaranteed?

Can I invest in Blossom Save, Blossom Plus and Blossom Grow?

Can I get an account statement?

Does Blossom operate under an Australian Financial Services License (AFSL)?

How does Blossom target a fixed p.a. return?

Can I invest in both Blossom Save and Blossom Plus?

Can I get a proof of balance statement?

Is Blossom regulated by ASIC?

What is the Product Disclosure Statement (PDS)?

Who is the Blossom Fund managed by?

Is the Blossom Fund audited?

What is the relationship between JP Morgan and Blossom?

Is investing in fixed income the same as investing in the stock market or ETFs?

What if the Blossom Fund makes less than the targeted returns for Blossom Save, Plus or Grow?

What does investment grade mean?

What is Blossom’s Threshold Management and Underwriting Agreement?

What do you mean by savings & earnings?

Is Blossom a bank?

Is it a passive investing app?

Why can’t I invest in fixed income investments myself? Why do I need Blossom?

What is the difference between the Blossom Save, Blossom Plus and Blossom Grow’s features?

What is my investment? What do I own?

What is a fixed income fund?

What is the difference between Blossom Save and Blossom Plus investment strategies?

What is the key difference in risk between Blossom Save, Blossom Plus and Blossom Grow?

What currency will I invest in?

Is there currency risk?

Investing with Blossom

Blossom App

Answers are general in nature only and do not take into account your personal objectives, financial situation or needs. Refer to the [PDSs](https://www.blossomapp.com/documents), [TMDs](https://www.blossomapp.com/documents) and [FAQs](https://www.blossomapp.com/documents) for further information.

Is there risk involved in my investment?

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