Blossom Save, Blossom Plus and Blossom Grow all invest under the same core fixed-income investment mandate and are managed using the same disciplined investment approach. As a result, the underlying investment risks – such as credit risk, market risk and manager risk – are broadly consistent across the three products.

Blossom Save, Blossom Plus and Blossom Grow all invest under the same core fixed-income investment mandate and are managed using the same disciplined investment approach. As a result, the underlying investment risks – such as credit risk, market risk and manager risk – are broadly consistent across the three products.

The primary difference relates to **liquidity and access risk**, which arises from how frequently withdrawals can be processed.

Blossom Save offers daily withdrawal requests, so the portfolio is managed with a strong emphasis on maintaining higher liquidity. Blossom Plus processes withdrawals quarterly, and Blossom Grow has a 12-month investment timeframe before withdrawals are processed. These longer timeframes allow the Fund Manager greater flexibility when selecting investments, but they do not change the core risk profile of the underlying strategy.

For investors, this means the key distinction between the products is how long funds may be committed before they can be accessed, rather than a material difference in the fundamental investment risks. All three products remain aligned with Blossom’s fixed-income mandate and Target Market Determination (TMD), with ongoing focus on appropriate liquidity management and investment discipline.

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

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 does investment grade mean?

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

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

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