Government bonds and fixed income
From Sri Lankan treasury bills to Bangladeshi savings certificates, government-backed instruments anchor conservative portfolios.
Why it's attractive
In markets recovering from currency or debt crises — Sri Lanka, Pakistan, Bangladesh — government-backed instruments offering yields well above bank deposits, with sovereign backing, have drawn savers who are unwilling to take on equity risk but need better returns than a savings account.
How to get access
Most are sold directly through the national central bank, post office, or partner banks — see the banks listed in the resources directory for country-specific options.
What to watch out for
Sovereign backing is only as good as the sovereign — several of these same markets have restructured or defaulted on debt within the last decade, so "government-guaranteed" is not automatically "risk-free."
Where this shows up most
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