Accessible bond investments

Giving everyday investors granular access to the bond market.

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You’ve chased the exciting. You’ve seen the volatile. Now you’re ready to incorporate something different: stability.

The problem? The bond market has long been complex, exclusive and out of reach for everyday investors like you. Bondao is here to change that.

We’re building an easy-to-use platform that lets you invest directly in the bonds you choose. Whether you have $5 or $50,000, fractional bonds makes it possible. No minimum investment amounts. No unrealistic thresholds. No one-size-fits-all funds.

Invest your way and enjoy steady, stable, predictable returns. It’s time to make investing boring again.

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your interest.

Whether you’re a potential investor or future platform user, register your interest so we can keep you updated with our movements.

Why bonds?

  • Steady, predictable income

    Bonds typically pay regular interest (called coupons), which provides a predictable stream of income. This can be especially appealing for retirees or anyone wanting reliable returns.

  • Lower risk than shares

    In general, bonds are less volatile than stocks. If the issuer is stable (like a government, long serving institution, or creditworthy company), you’re more likely to get your capital back at maturity.

  • Capital preservation

    Because bonds repay the principal at the end of their term (plus interest along the way), they’re useful if you want to protect your initial investment as it grows.

  • Portfolio diversification

    Bonds move differently from shares and other asset classes. Including them in your portfolio can help reduce overall risk and smooth out returns when equity and other markets dip.

  • Pay-out priority

    If a company goes bankrupt, bondholders are repaid before shareholders, making bonds a safer option in that scenario.

  • Variety of options

    You can choose from short-term, long-term, government, corporate, or inflation-linked bonds depending on your goals and risk tolerance. Or, choose from green or local bonds in line with your values.

Why Bondao?

  • Invest in what you care about

    Bondao lets you choose exactly where your money goes, giving you the power to support projects that matter to you, such as social housing, renewable energy, or community development, while still earning a financial return.

  • Predictable cash flow

    With direct bonds, you know the exact coupon payments and maturity date, so your income and capital return are more predictable. In comparison, a bond fund’s income and value can fluctuate as the manager buys and sells different holdings.

  • Capital certainty at maturity

    With Bondao, if you hold a bond until it matures and the issuer doesn’t default, you’ll get your full principal back. Bond funds, on the other hand, don’t have a set maturity – their value depends on market movements.

  • Control over holdings

    You choose exactly which bonds you buy, so you can tailor your portfolio to your preferred risk level, sector, maturity dates, or issuers. For example, you might prefer short-dated government bonds over long-dated corporate ones.

  • Lower cost trading

    By removing intermediaries, such as fund managers, Bondao can offer lower fees than traditional institutions or managed bond funds, which can impact your returns over time.

  • Real-time transparency

    You can see exactly where your money is invested and how it’s performing, updated in real time – unlike funds, which report periodically and bundle many holdings together.

  • No minimum investment amounts

    Traditional bonds are often sold in large units – sometimes thousands of dollars per bond – which makes them too expensive for most everyday investors. Bondao removes that barrier through fractional investing, so you can buy just a portion of a bond and invest whatever amount fits your budget.

  • Ease and accessibility

    Everything can be done in a few taps on your phone – browsing, investing, tracking returns – without the complexity of going through a bank, fund, or broker.

  • Liquidity and flexibility

    Fractional investing can make it easier to buy or sell smaller portions when you need to, rather than being locked into a large fixed amount or long-term fund structure.

  • Democratisation of bond market

    It opens a traditionally institutional market to everyday people, giving individuals the same opportunities once reserved for large investors.

  • Education and empowerment

    Learn about bonds using our free educational resources, blog posts and newsletters. Our online real-time format can help demystify bond investing through clear data, impact insights, and accessible tools, so you feel confident making informed decisions.

Resources, news & updates

What are fractional bonds and how do they work?
Investor education
What are fractional bonds and how do they work?
Investor education

Fractional bonds are portions or “fractions” of a full bond that can be bought or sold in smaller amounts than the bond’s original face value. They make bond investing more accessible to smaller investors by allowing them to invest smaller amounts.

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Investor education
Why now? Why Bondao? A letter from the Founder.
Our take
Why now? Why Bondao? A letter from the Founder.
Our take

I started work on Bondao in 2021 while I was studying towards my engineering degree. Alongside that I was working full time with a new business that was, although part of a large conglomerate, its own kind of startup. I was actively investing in the stock market and, seeing as I’m getting older, also wanted to put a little into government bonds. That’s when the trouble started.

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Our take