Services
Our Services
Fixed Time Deposits
These investments are safe and return a fixed amount for the whole period that you
choose. We help investors access deposit products from financial institutions with
guaranteed interest rates and various term options.
Details:
● Terms Available: 12, 24, 36, 48, or 60 months
● Minimum Investment: Typically €5,000 (or equivalent currency)
● Interest Rates: Fixed at the time of deposit, not affected by market rates during
the term
● Compounding: Interest may be paid annually or at maturity; compounding is
available on select terms
● Reinvestment Options: Clients can choose to automatically roll over the
principal (or both principal and interest) into a new term at maturity
● Early Withdrawal: Subject to penalties or loss of interest if withdrawn before
term end
Your money is kept in institutions that are covered under national deposit insurance.
Investors are provided with official proof and all necessary paperwork that outlines the
terms, conditions, and due dates. Individuals who prefer to minimize risks and seek
consistent returns may opt for these types of products.
Government Bonds
Governments issue government bonds as fixed-interest securities to fund their
expenses. AUTEO Invest manages investments in government debt that are reliable
and offer varied return rates based on their maturity.
Bond Types Offered:
● Fixed-rate sovereign bonds
● Inflation-linked government bonds
● Short-term treasury notes
● Long-duration sovereign debt for income planning
Details and Considerations:
● Credit Ratings: Only A-rated or higher sovereigns
● Coupon Structure: Annual or semi-annual interest disbursement
● Liquidity: Most government bonds offered are tradable on secondary markets
● Taxation: Depends on the investor’s country of residence; interest may be
taxable or tax-exempt
● Minimum Investment: Varies by issue, often around €10,000 equivalent
They are ideal for investors who prefer to minimize risk or require a balanced portfolio.
When uncertainty or declining interest rates appear, government bonds can help by
giving regular earnings and securing your portfolio.
Corporate Bonds
Corporate bonds give a bigger return than government bonds and are available in various credit grades and maturities. AUTEO Invest allows people to invest in corporate bonds, regional infrastructure projects, and those offered by top-rated financial institutions. We conduct in-depth analysis of credit and partner only with employers who adhere to our compliance rules. Investors can select products from various areas, of different lengths, and with varying risks, depending on their investment goals.
Product Features:
● Issuer Types: Blue-chip companies, utilities, financials
● Yields: Typically 1.5% to 5%, depending on credit grade and term
● Credit Ratings: From AA to BBB- (investment-grade only)
● Duration: 2 to 10 years
● Interest Frequency: Quarterly, semi-annual, or annual
Risk Assessment Includes:
● Debt-to-equity ratio
● Interest coverage
● Cash flow analysis
● Industry outlook and macroeconomic impact
Investors seeking a consistent income and a gradual rise in value should consider
corporate bonds. We assist our clients in designing bond ladders or staggering the
maturities to boost liquidity and avoid taking risks when refinancing.
Financial Planning
Through our financial planning services, clients are guided with a clear and steady
method to handle their wealth and future expenses. The first step in every plan is to
assess your current financial situation, and then a personalized plan is created to help
you achieve your goals.
Components of Our Planning Service:
● Budget analysis and cash flow tracking
● Asset allocation strategy based on risk profile
● Goal-based planning for retirement, education, or legacy
● Debt and liability review
● Tax planning in collaboration with certified tax advisors
● Annual plan reviews with performance tracking and updates
We rely on tools that consider current interest rates and potential inflation and set goals
for achieving specific targets. Clients receive a report each quarter that explains their
progress and provides advice on what to do if changes are required.
Planning goes beyond just making investment decisions. This process looks at your
estate, what your lifestyle could be, and the way you plan to make money in the future.
Our goal is to ensure that clients understand their options and are financially secure.