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2x Your Savings Income

Boost your savings income from 4% to over 8%+ with fixed-rate Bonds

Stop stressing about your monthly budget. Earn more for retirement. Outpace inflation. Retire sooner.
Take back your financial freedom!!

  • Principal + Interest back in 90 days
  • Compounding interest, long-term growth (8%+ APY)*
  • No long-term commitments
  • Compound your gains every 90 Days
  • Fully collateralized by Real World Assets
  • Exit anytime without penalty
  • YES! Bonus rates are possible, if...

Read the full terms and conditions here. 

BONDS Vs SAVINGS

Over 10 years, rolling 90-day 13% bonds have the potential to produce more than 280% more yield than a high-interest savings account at 5.5% APR.

Current Bond - Open At 9% APR

Bond 4 is currently open and 50% filled. With just $400K left to raise, it will close soon.

Previous Bonds

Bond 3 - Closed at 11% APR

July, 2025

Bond 2 - Closed at 11% APR

April, 2025

Bond 1 - Closed at 10% APR

Jan, 2025

Savings Account Alternative

tired of market volatility and uncertain returns on your investments?

Look no further. Our Zero Coupon Bond offers a secure and reliable way to earn fixed returns of up to 12% APR, providing income investors with the stability they seek in today’s unpredictable financial landscape.

ZCBs easily beat savings accounts, returning up to 400% more yield than a High Interest Savings account like Wealthfront, UFB Direct or Betterment. 

income investments backed by austin real estate

ZCB Vs Savings Account

Investing in rolling zero coupon bonds produce more than 400% more yield over a ten year period.

savings account vs zero coupon bond

SAVINGS ACCOUNT ALTERNATIVE

Very professional. Nice organized and clean product. Highly recommend for income investors.

- Ben S.
★★★★★ 5/5

Better than a Savings Account?

Yes, a zero-coupon bond (ZCB) can be considered an alternative to a savings account in certain situations, but they have some key differences.

Risk: Savings accounts are typically considered low-risk investments because they are insured by the government (up to a certain limit). ZCBs, on the other hand, are bonds and carry credit risk. If the issuer defaults, you may not receive the full value of the note.

Return: Savings accounts offer a fixed interest rate, which is usually lower than what you might potentially earn from investing in ZCBs. ZCBs are sold at a discount to their face value and mature at face value, so the return is the difference between the purchase price and the face value. This can result in a higher return than a savings account.

Liquidity: Savings accounts typically offer high liquidity, allowing you to withdraw funds at any time without penalty. ZCBs, however, have fixed maturity dates, and if you need to sell them before maturity, you may incur losses if interest rates have risen since you bought the note.

Tax Implications: The interest earned on savings accounts is typically subject to income tax, while the return on ZCBs may be subject to different tax treatment, such as capital gains tax.

Duration: ZCBs are typically longer-term investments, with maturities ranging from a few years to several decades, while savings accounts have no fixed duration.

2x MORE INCOME FOR RETIREMENT

Tim was great to work with. Very professional, communicative, and made sure we understood everything. Highly recommend!

- Seth S.
★★★★★ 5/5

What is a Zero Coupon Bond?

A zero coupon bond, also known as a zero coupon note, is a type of fixed-income security that does not pay periodic interest (coupon payments) to the bondholder. Instead, it is issued at a discount to its face value and redeemed at face value upon maturity. The return to the investor comes from the difference between the discounted purchase price and the full face value received at maturity.

Here’s how it works:

Issuance: When a zero coupon bond is issued, it is typically sold at a price significantly below its face value. The discount reflects the interest that would have been paid if it were a traditional interest-bearing note.

No periodic interest payments: Unlike traditional bond, zero coupon bonds do not make periodic interest payments to investors. The entire return is received when the note matures.

Maturity: The note matures at a specified future date, at which point the issuer repays the investor the face value of the note. The investor’s return is the difference between the face value and the price paid for the note.

Investors are attracted to zero coupon bonds for several reasons:

Fixed return: The return on a zero coupon bond is known in advance since it is based on the difference between the purchase price and the face value.

Predictable cash flow: Because there are no periodic interest payments, zero coupon bonds provide predictable cash flows for investors.

Portfolio diversification: They can be used to diversify investment portfolios since they behave differently from traditional interest-bearing bonds.

Ideal for Income Investors

Zero coupon bond (ZCBs) can be attractive for income investors for several reasons:

Fixed Return: ZCBs offer a fixed return because the investor knows the amount they will receive at maturity (the face value) when they purchase the note at a discount. This fixed return can be appealing for income investors who seek predictability in their cash flows.

No Reinvestment Risk: Traditional notes pay periodic interest, which investors typically need to reinvest. However, with ZCBs, there are no periodic interest payments, so investors don’t face reinvestment risk. This means they don’t have to worry about finding suitable investment opportunities each time they receive interest payments.

Diversification: ZCBs provide income investors with an opportunity to diversify their portfolio. By adding ZCBs to a portfolio that primarily consists of interest-bearing bonds or dividend-paying stocks, investors can spread risk across different asset classes.

Lower Default Risk: Since ZCBs are typically issued by governments or highly-rated corporations, they generally have lower default risk compared to other types of fixed-income securities. This lower risk can be appealing to income investors, especially those who prioritize capital preservation.

Tax Advantages: Depending on the jurisdiction, zero coupon bonds may offer tax advantages. Because investors do not receive periodic interest payments, they may defer taxes until the note matures or until they sell the note, providing potential tax benefits for certain investors.

Long-Term Planning: ZCBs are often used for long-term financial goals or income needs, such as retirement planning. Income investors can purchase ZCBs with maturity dates that align with their future income needs, providing a source of income in retirement or other long-term financial plans.