The underlying investments of the Blossom Fund will be selected for being investment grade.

The underlying investments of the Blossom Fund will be selected for being investment grade.

Ratings agencies such as Standard and Poors (S&P) and Moodys assess a bond’s likelihood to repay principal and interest and express this through a credit rating. Using the S&P rating scale as an example, a bond rated at the highest level of AAA is deemed to be highly likely to repay principal and interest in a timely manner and highly unlikely to default. Bonds rated BBB- and above are all considered investment grade, while bonds rated below BBB- are regarded as speculative.

The Blossom portfolio will maintain an average credit rating of investment grade and we note that there has never been a default of an Australian investment grade bond.

What does investment grade mean?

What is my Blossom account number?

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

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

What is the past performance of the Blossom Fund?

Is my capital guaranteed?

Why have I not been seeing my earnings grow?

What is Blossom’s APIR code?

Is Blossom regulated by ASIC?

Can I get a proof of balance statement?

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?

Is Blossom a bank?

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

Is it a passive investing app?

Is there risk involved in my investment?

What do you mean by savings & earnings?

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

What is a fixed income fund?

What is Blossom’s Threshold Management and Underwriting Agreement?

What is my investment? What do I own?

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

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

What are the key differences in risk between Blossom Save, Blossom Plus and Blossom Grow? 

What is the Product Disclosure Statement (PDS)?

What is the relationship between JP Morgan and Blossom?

Who is the Blossom Fund managed by?

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.

What does investment grade mean?

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What does investment grade mean?

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