Flexible FIX by ICU

Predictable return on any date — full liquidity with no penalties

Man working comfortably on a laptop in a green field, viewing the ICU Trade dashboard.

The word 'ФІКС' made of green grass texture.

Flexible FIX is the purchase and sale of a specific government bond issue with a fixed yield and the ability to exit at any time without losses.

This product combines the high efficiency of government bond investing with flexibility and liquidity — letting your money work at full capacity every single day.

Who is it for?

The product is suited for any level of experience — from beginners to sophisticated investors.

In addition to the unique terms of
“Flexible FIX”

you get all the standard advantages of investing through ICU Trade:

Tax-Free Income:

Income generated from government bonds is fully tax-exempt. In contrast, bank deposits are subject to an 18% personal income tax plus a 5% military levy

Zero commissions:

0% fees on government bond purchases and sales

Low entry threshold:

Investments available from UAH 1,000 (one bond)

Professional support:

Dedicated personal consultants to assist you

Personal account:

Automated statements and reports

Exclusive ICU analytics

To help our investors grow their capital more systematically, we've added a free investment strategy focused on government bonds to our chatbot - @ICUTradeSupportBot

Create a strategy

How to use
Flexible FIX

Complete a fast, fully online registration in the ICU Trade platform

Step-by-step Guide:

Register

Click the "Open an Account" button on any page of the website and select the scenario that matches your residency status.

Choose verification via Diia for instant identity confirmation and document signing.

Fund your account

Fund your brokerage account with ICU Trade:

Online via Portmone — commission-free (credited the next business day).

By bank transfer using account details (subject to your bank's fees) — within one hour.

Purchase

Go to Trading → Buy, find the government bond series UA4000238976 and purchase the required quantity.

This bond is also available in the Diia app under the name of Feodosia.

Sell

When you are ready to withdraw your funds, go to Trading → Sell and choose the required number of bonds at a guaranteed rate.

Product Highlights:

Flexible FIX is not just a yield figure — it is a business product built on a risk-oriented approach. It balances high returns against interest rate risk. Built-in safeguards make it resilient to market volatility, while its high liquidity ensures continuous access to the required volume of supply.

Three fundamental advantages for investors:

Flexible FIX is always available

Since its launch, it has been available for purchase and sale during every trading session. Investors in Flexible FIX don't wait — they invest

Flexible FIX is not a marketing gimmick

It is a market instrument with a sound and sustainable economic model. As a business, we earn from it. But at the same time, we deliver what investors want: a predictable, stable short-term yield aligned with the real cost of money in the money market — currently between 14% and 16%

Flexible FIX is not only about interest rates

It is also about protection from sharp market swings. Over nearly 20 years in the market, we have witnessed some of the most unexpected rate reversals. Thanks to our experience and the business logic built into the product, we are always able to meet our obligations to investors and buy back the securities

IMPORTANT!

ICU reserves the right to modify the product terms. Clients will be notified in advance of any changes. In the event of a change in terms, we guarantee the buyback of all previously purchased Flexible FIX securities at the investor's request.