🌟 Why investors are choosing fixed income in 2026? And how we approach volatility at Maclear & 8lends

Volatility didn’t start yesterday.

When stocks and bonds fell together in 2022, and crypto crashed 65%, it was clear that investors needed more than just diversification.

That’s when the real shift began.

Investors stopped chasing promises of higher returns and started valuing something far more powerful: predictable passive income.

By late 2024, active fixed-income ETFs attracted $344B in inflows, growing at 60%+ organically. Compare it with crypto, and the contrast was impossible to ignore.

Because certainty outperformed excitement.

But traditional fixed income has its own trade-off: stability comes with yield compression. The good news is that this gap is being rapidly closed with P2P lending, which is gaining momentum.

🌟 That's the approach we're building Maclear and 8lends around within one ecosystem: predictable cash flow, backed by collateral, and real economic impact through SME financing.

Read the full piece on Linkedln, written by Maclear's CFO