How to get the best term deposit rate
Small moves — comparing, timing, choosing the right term and asking for a loyalty rate — can add up to meaningfully more interest.
Read →Australian Government Bonds explained
Exchange-traded government bonds let everyday investors lend to the government for a steady return. Here's how they work and where they fit.
Read →How term deposit and savings interest is taxed in Australia
Interest counts as income at your marginal tax rate. Here's how it's reported, when it's taxed, and how to avoid surprises.
Read →Term deposit laddering: earn more without locking everything away
Laddering splits your money across several term deposits that mature at different times — so you get higher long rates and regular access.
Read →Are my deposits safe? The $250,000 guarantee explained
Australian deposits are government-guaranteed up to $250,000. Here's exactly what's covered, and how to maximise your protection.
Read →Term deposit vs savings account: which is right for you?
Both are low-risk ways to earn interest — but one locks your money away and one keeps it flexible. Here's how to choose.
Read →How term deposits work
A term deposit locks your money away at a fixed rate for a set period. Here's exactly how they work, and when they make sense.
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