FAQ's
Discover answers to your most common queries. This section offers a quick and easy way to get the information you need to maximise your experience with CSJ Consulting.
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Founded in 2003, CSJ Consulting provides retail investors access to institutional-grade fixed-rate investments. For over two decades, we've empowered our clients to manage their finances effectively through a single online account that offers access to products and rates from over 120 financial institutions. We are committed to helping you achieve your financial goals.
The rates at CSJ Consulting can vary based on the type of investment, your investment amount, and current market conditions. For the most accurate and updated rate information, please contact your dedicated account manager who can also offer personalised guidance based on your specific needs and circumstances.
You typically fund your CSJ Consulting account by transferring funds directly to the bank or financial institution managing the investment. Your advisor will help you select a product and its rate, facilitate the bond purchase agreement, and guide you to transfer funds directly to the issuing institution.
Fixed-rate bonds are generally a safe investment for preserving capital, providing a set interest rate and return of principal upon maturity. It's crucial to consider the issuer's creditworthiness, interest rate risk, and inflation. Bonds from governments or highly-rated corporations are usually safer. Bonds with capital protection schemes like the Financial Services Compensation Scheme (FSCS) or the Deposit Guarantee Scheme (DGS) offer virtually risk-free investments within coverage limits, provided you hold them to maturity.
At CSJ Consulting, we prioritise the security of your online account using advanced encryption and multi-factor authentication. Our platform also undergoes regular security audits to ensure the highest protection level for your information.
We provide access to a wide range of financial institutions, including banks, credit unions, and other reputable entities. Our network includes both well-known and niche institutions, giving you a broad selection of investment options.
We leverage large-scale institutional blocks in investment-grade bonds and other vehicles, purchasing on their issue dates and via private placements then dividing them into smaller tranches.
This allows us to offer these investments to our clients with a nominal one-off fee of 1.00% of the initial investment throughout the bond's lifespan.
CSJ Consulting offers various investment terms to suit your preferences and goals, from short-term options for quick returns to longer-term commitments for maximum growth.
Your account is managed by a dedicated team of financial professionals at CSJ Consulting. While our advisors provide personalised guidance and support, every investment decision is ultimately yours, ensuring that your choices reflect your financial objectives.
After your account is verified and passes our anti-money laundering checks, your account manager will help you secure the best available rate. Once you agree, a bond purchase agreement will be issued. After signing, you will fund your account directly with the institution holding the bond.