Cash & fixed interest

Fixed interest investments, like bonds, offer investors a regular income for a specified term with the expectation that the principal will be repaid at the end of the term. Cash as part of an overall investment portfolio can be held in high interest bank accounts or in term deposits.

Learn about the basics of fixed interest investments as well as how you might go about investing in bonds.

What is fixed interest?

Fixed interest investing

Learn more about what's available in the world of fixed interest investing.

What is fixed interest?

A simple explanation of fixed interest investments as well as an overview of the benefits and returns.

Role of fixed income in portfolios

Fixed income is a defensive asset class that can play an important role in a diversified portfolio. For an overview of fixed income explore Vanguard's resources What is fixed income and The role of fixed income in portfolios

Investments paying interest

Investments that pay interest are often seen as safe investments...  learn more about fixed interest investments from Moneysmart to work out whether they may be right for you.


Where is my money safe?

Savings accounts

Moneysmart provides some information on how savings accounts differ from other accounts and how to choose the right one for you.

Term deposits - multiply your money!

Term deposits are the most familiar type of investments paying interest. Moneysmart talks about the pros and cons of term deposits.

Compare term deposit rates

Here are two sites where you can search and compare term deposit rates: 

Canstar
Ratecity

Australian Government Deposit Guarantee

If you deposit your cash with a financial institution it may be covered by the Australian Government Deposit Guarantee - check out Canstar's guide on the scheme to see what is covered.

For more detailed information, visit the Australian governments official website


How can I invest in bonds?

Moneysmart on Bonds

When you invest in bonds you are effectively lending money to a government or company at an agreed interest rate for a set period of time. 

Investment bonds: how do I buy them?

The chances are you've come across the term 'bonds' before. Canstar explains what bonds are, why they exist and how to buy them.

Role of corporate bonds in a balanced portfolio

FIIG is a provider of a DirectBonds service.  Scroll down the page to watch a video explaining the benefits of bonds in a balanced portfolio.