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24 April 2024

Home / Bank Deposits

Bank Deposits

1-11 out of 11 results.

The bank is still a terrible place to put your money

With the RBA having lifted interest rates by 4.25% over 18 months, many investors now see cash as an attractive investment option. That ignores the silent tax of inflation, which makes other assets better investment alternatives.

Why Aussie bank hybrids are rock solid

Australian banks are the Pilbara of the global financial system, with irreplaceable assets that are among the world's best. Current bank hybrid prices offer favourable rewards with limited risk for investors.

Private debt returns rise with inflation and less risk than equities

As the global economy slows, private debt can be an attractive option for income investors. It provides reduced capital volatility and reliable income, as well as risk-adjusted returns that are linked to inflation.

Six guidelines on how to allocate SMSF cash

Major bank transaction accounts are paying poor rates on cash at exactly the time when many SMSF trustees are holding more cash than usual due to tough bond and equity markets. Here are some rules and opportunities.

How the Reserve Bank scuppers retail depositors

Banks are awash with cash and are turning away deposits while reducing rates. Retirees who rely on their savings for income should not expect a respite until at best 2024 and are encouraged to turn to risky assets.

Is it time for an SMSF rethink on deposits?

Australian bank liquidity regulations are continuing to tighten, adversely affecting access to cash and the ability of SMSFs to earn the same returns from bank deposits as individuals.

Deposit guarantee bill passes but not for super funds

The government guarantee on deposits has finally been legislated and based on information released by APRA you'd be forgiven for assuming that superannuation bank deposits would be covered. Not necessarily.

APRA helps SMSFs but large super funds left hanging

The nation's savings are in superannuation and the nation's funding needs are in the banks. Yet the regulators and the new liquidity rules make it even more difficult for the two to get together, with another free kick to SMSFs.

APRA imposes Single Customer View (SCV) for government guarantee

* APRA has told deposit-takers they must implement a Single Customer View regime before 1 January 2014, to prevent multiple coverage under the government guarantee.

CBA to be less competitive in retail deposits

* Better and cheaper availability of wholesale funding for major banks will reduce retail term deposits rates, as CBA takes its foot off the gas.

Super misses out on government deposit guarantee

The sad fact is the government guarantee on deposits does not apply for individuals investing in deposits offered by public superannuation funds.

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