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.

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This document has been drawn up for information purposes only. It is neither an offer nor an invitation to buy or sell the investment products mentioned herein and may not be interpreted as an investment advisory service. It is not intended to be distributed, published or used in a jurisdiction where such distribution, publication or use is prohibited, and is not intended for any person or entity to whom or to which it would be illegal to address such a document. In particular, the products mentioned herein are not offered for sale in the United States or its territories and possessions, nor to any US person (citizens or residents of the United States of America). The opinions expressed herein do not take into account each customer’s individual situation, objectives or needs. Customers should form their own opinion about any security or financial instrument mentioned in this document. Prior to any transaction, customers should check whether it is suited to their personal situation and analyse the specific risks incurred, especially financial, legal and tax risks, and consult professional advisers if necessary. The information and analyses contained in this document are based on sources deemed to be reliable. However, RAM AI cannot guarantee that said information and analyses are up-to-date, accurate or exhaustive, and accepts no liability for any loss or damage that may result from their use. All information and assessments are subject to change without notice. Investors are advised to base their decision whether or not to invest in fund units on the most recent reports and prospectuses. These contain further information on the products concerned. The value of units and income thereon may rise or fall and is in no way guaranteed. The price of the financial products mentioned in this document may fluctuate and drop both suddenly and sharply, and it is even possible that all money invested may be lost. If requested, RAM AI will provide customers with more detailed information on the risks attached to specific investments. Exchange rate variations may also cause the value of an investment to rise or fall. Whether real or simulated, past performance is not necessarily a reliable guide to future performance. This marketing document has not been approved by any financial Authority, it is confidential and its total or partial reproduction and distribution are prohibited.

This document has been drawn up for information purposes only. It is neither an offer nor an invitation to buy or sell the investment products mentioned herein and may not be interpreted as an investment advisory service. It is not intended to be distributed, published or used in a jurisdiction where such distribution, publication or use is prohibited, and is not intended for any person or entity to whom or to which it would be illegal to address such a document. In particular, the products mentioned herein are not offered for sale in the United States or its territories and possessions, nor to any US person (citizens or residents of the United States of America). The opinions expressed herein do not take into account each customer’s individual situation, objectives or needs. Customers should form their own opinion about any security or financial instrument mentioned in this document. Prior to any transaction, customers should check whether it is suited to their personal situation and analyse the specific risks incurred, especially financial, legal and tax risks, and consult professional advisers if necessary. The information and analyses contained in this document are based on sources deemed to be reliable. However, RAM AI Group cannot guarantee that said information and analyses are up-to-date, accurate or exhaustive, and accepts no liability for any loss or damage that may result from their use. All information and assessments are subject to change without notice. Investors are advised to base their decision whether or not to invest in fund units on the most recent reports and prospectuses. These contain further information on the products concerned. The value of units and income thereon may rise or fall and is in no way guaranteed. The price of the financial products mentioned in this document may fluctuate and drop both suddenly and sharply, and it is even possible that all money invested may be lost. If requested, RAM AI Group will provide customers with more detailed information on the risks attached to specific investments. Exchange rate variations may also cause the value of an investment to rise or fall. Whether real or simulated, past performance is not necessarily a reliable guide to future performance. The prospectus, key investor information document, articles of association and financial reports are available free of charge from the SICAVs’ and management company’s head offices, its representative and distributor in Switzerland, RAM Active Investments S.A., Geneva, and the funds’ representative in the country in which the funds are registered. This marketing document has not been approved by any financial Authority, it is confidential and its total or partial reproduction and distribution are prohibited. Issued in Switzerland by RAM Active Investments S.A. which is authorised and regulated in Switzerland by the Swiss Financial Market Supervisory Authority (FINMA). Issued in the European Union and the EEA by the authorised and regulated Management Company, Mediobanca Management Company SA, 2 Boulevard de la Foire 1528 Luxembourg, Grand Duchy of Luxembourg. The source of the above-mentioned information (except if stated otherwise) is RAM Active Investments SA and the date of reference is the date of this document, end of the previous month.

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