Cash accounts, term deposits, bonds and managed funds that independent financial advisers have researched and can arrange for you. Every rate comes straight from the bank or issuer.
General information only, not personal financial advice. Rates change and investments involve risk.
What your savings could earn today
Pick an amount and every figure on this page updates to show what it could earn, before tax. Cash and term deposits are protected by the Government guarantee up to $250,000 per bank. Bonds and managed funds can pay more, but your money is not guaranteed.
High interest cash deposits
A high interest cash account pays a variable rate on money you can reach at any time. Some pay a bonus rate when you meet simple monthly conditions. Deposits with Australian banks and other authorised deposit-taking institutions (ADIs) are protected by the Australian Government's Financial Claims Scheme, up to $250,000 per person, per ADI.
Four cash deposits on the shelf
Term deposits
A term deposit locks your money away for a set time at a fixed rate, so you know exactly what you'll earn. Term deposits with Australian ADIs are covered by the same Financial Claims Scheme, up to $250,000 per person, per ADI. Interest is taxable income, and you'll usually need to give notice to take money out early. Below are the term deposits on the shelf for 90 days, 180 days and a full year.
Two for each term
Corporate and government bonds
A bond is a loan to a government or company. It pays you fixed interest, usually twice a year, and returns your money on a set date. Government bonds are backed by Australian governments. Corporate and bank bonds pay more in return for more risk. Bonds are not bank deposits and are not covered by the Financial Claims Scheme.
Two corporate, two government
Managed investment funds
A managed fund pools your money with other investors' and is run by a professional investment manager. Our selection is the strongest five-year performer in each of four kinds of fund quoted on the ASX. Past performance is not a reliable indicator of future returns, and the value of your investment can go down as well as up.
One from each kind of fund
You choose. Your adviser does the rest.
IFA-Rates is research only. Your adviser checks the product suits you, then arranges everything.
- 01
Choose a product
Browse the shelf and tap "Choose this" on anything you like. Every rate shows when it was last checked.
- 02
Your adviser calls you
A licensed IFA adviser near you gets the product details and contacts you to check it suits your situation.
- 03
They take care of the rest
Your adviser handles the application and paperwork. You sign, and the investment is held in your name.
About IFA-Rates
IFA-Rates is an independent research company working alongside regulated investment professionals to uncover the best rates available in the market for Australian investors. We are a research-only service and do not give financial advice. All purchase enquiries are directed through the appropriate professional advice channels.
- Products researched before they reach the shelf 01
- Rates taken from official sources every morning 02
- Purchases arranged by licensed advisers 03
How products get on the shelf
Every product is researched before it goes on the shelf, and every rate is taken from an official source and checked each morning.
Important information
Research only, not advice. IFA-Rates provides general information only. Nothing on this site considers your objectives, financial situation or needs. Speak with a licensed financial adviser and read the relevant Product Disclosure Statement and Target Market Determination before deciding.
Rates change. Rates are taken from each provider's published data on the date shown, can change at any time, and products can close without notice.
Financial Claims Scheme. The Australian Government guarantees deposits with Australian ADIs up to $250,000 per person, per ADI. Bonds and managed funds are not deposits and are not covered.
Past performance is not a reliable indicator of future performance. Fund returns shown are total returns after fees to the date stated.
Adviser network rates. Products marked "Adviser network" are only available through licensed advisers and brokers, not direct to the public.
Examples are illustrations. Dollar examples use the stated rate and do not include compounding, fees or tax.