RAM Active Investments Launches New Credit Target Maturity 2030 Strategy

After more than a decade of exceptionally low interest rates, bond yields have risen to levels that remain comfortably above their ten-year averages. This environment presents an attractive opportunity for investors to lock in meaningful yields at subscription, while benefitting from declining duration risk over time. In a world still characterised by geopolitical and economic uncertainty, a fixed-maturity credit strategy provides welcome visibility: investors know precisely what they are investing in, when, and for how long.

The new Credit Target Maturity 2030  strategy offers a defined and time-bound approach to credit investing. Its target maturity of December 2030 represents what the managers view as an optimal horizon to capture the prevailing credit premium in the historically efficient BB rating category. Based on current market conditions, the portfolio is expected to offer an attractive yield in euros, with the aim to provide investors with a transparent alternative and a defined return objective.

This approach builds on RAM AI’s established expertise in credit management, developed through the Strata Credit strategy, which has delivered over six years of robust performance and currently manages more than €400 million.

At the core of the investment process lies a blend of quantitative analysis and fundamental assessment. RAM AI employs a proprietary Artificial Intelligence-based scoring model applied to a broad universe of European credit issuers. This tool evaluates thousands of companies using both financial and non-financial data—capital structure, profitability, governance quality, and controversy indicators—to identify the most attractive opportunities. Each issuer is subsequently reviewed by RAM AI’s credit team, whose discretionary analysis serves as a complementary layer of judgement. This dual approach—combining technological efficiency with human oversight—ensures both analytical depth and rigorous risk control.

The strategy adheres to RAM AI’s philosophy of selective and unconstrained management. It focuses primarily on European corporate and financial bonds, with an expected average rating of BB and a strict diversification limit of 1.5% per issuer. The objective is to construct a resilient portfolio capable of absorbing potential market volatility while its maximising income stream. The strategy’s risk management is fully integrated within RAM AI’s broader framework, ensuring consistency across its credit capabilities.

Disclaimer

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