貯金 社債 in Aviva 首相の職 rugby club Wasps 支払う／賃金s 年次の 利益／興味 of 6.5%... just don't get stung

• e-mail

Income-餓死するd savers are 存在 tempted to throw 警告を与える to the 勝利，勝つd by 投資するing in 小売 社債s that 申し込む／申し出 as much as ten times the 普通の／平均（する） 利益／興味 on a deposit account ? but with their 資本／首都 at 危険.

Aviva 首相の職 rugby club Wasps is the 最新の to entice savers with a seven-year 社債 支払う／賃金ing 年次の 利益／興味 of 6.5 per cent before 税金 ? one of the highest 率s 利用できる for 社債s 貿易（する）d on the UK 株式市場.

The club wants to raise a 最小限 £25million from the 社債 ? partly to 支払う／賃金 支援する a £13.4million 貸付金 linked to the £20million 購入（する） last year of the Ricoh 円形競技場 in Coventry.

Seven-year 社債: 投資家s should earn 6.5 per cent 年次の income

小売 社債s come in two main flavours ? tradeable ones, like the Wasps 取引，協定, and riskier unlisted ‘小型の-社債s’ bought direct from the 問題／発行するing company. These latter 社債s 申し込む／申し出 even higher returns but must be held to 成熟.

Some 小売 社債s are 的d at 正規の／正選手 顧客s of a 商売／仕事 ? in this 事例／患者 fans ? in the hope that their brand 忠義 will encourage them to buy.

小型の-社債s often 申し込む／申し出 perks as part of the 取引，協定. A new four-year 社債 from （手先の）技術 brewer Innis & Gunn is taking this tac k.

It is 支払う／賃金ing 7.25 per cent a year before 税金 to 投資家s taking returns in cash but 9 per cent to those choosing the ‘liquid’ 代案／選択肢 ? 供給するd they spend the income at the brewer’s online shop.

All 投資家s get a 12.5 per cent 割引 on 購入（する）s. The company hopes to raise £3 million from the いわゆる BeerBond to build a new brewery in Scotland, where 投資家s can also have their 指名するs inscribed for posterity. Perks are not permitted for tradeable 社債s and so are not part of the Wasps 一括.

Commentators 恐れる Wasps might struggle to 会合，会う the biannual 社債 支払い（額）s, but club 長，指導者 (n)役員／(a)執行力のある David Armstrong is 毅然とした this will not be the 事例／患者.

He says: ‘The first three 支払い（額）s are 保証（人）d with money put aside in a special account ? but we hope we will not have to use that.’

He points to bigger 出席s at the new stadium ? 18,000 a game compared with 5,700 in Wasps’ old ground in High Wycombe, Buckinghamshire.?

He also says a stadium hotel, 法人組織の／企業の 歓待 and 会議／協議会 施設s ? 加える 賃貸しの income from Coventry City football club ? will all help 運動 up turnover. One big drawback of both 小売 and 小型の-社債s is they are not 保護するd by the 財政上の Services 補償（金） Schem e, unlike deposit accounts.

Also, 小型の-社債s such as the BeerBond are not 安全な・保証するd against any 資産s ? so if the company goes 破産した／（警察が）手入れする savers’ money will be lost.

Wasps’ bondholders will have first call on 資産s, 含むing the Ricoh 円形競技場, if the companies behind the 社債 ? Wasps and 円形競技場 Coventry ? fail.

One advantage of tradeable 社債s is that they can be held 税金-解放する／自由な in an Individual 貯金 Account or Self-投資するd Personal 年金, while 小型の-社債s cannot. Mateusz Malek, 長，率いる of 社債 研究 at 仲買人 Killik, says: ‘Default 率s on 小売 社債s are low 予定 to a stable economy, but if 利益／興味 率s rose quickly some companies might find it more difficult to refinance 負債 and defaults could 急に上がる.’

The 最小限 投資 in the Wasps 社債, which の近くにs this Wednesday, is £2,000.

社債s can be 購入（する）d through stockbrokers such as Barclays, Interactive 投資家 and Redmayne-Bentley. 貿易（する）ing in the 社債s is 推定する／予想するd to start in 11 days’ time.

The 最小限 投資 in the BeerBond, which の近くにs in the middle of next month, is £500.

?