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Fixed Term Deposit
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Deposits & interest paid regularly
Competitive, market beating fixed interest rates
No hidden fees or service charges
Higher interest payments than most typical banks
FIXED INCOME INFORMATION
What is a Fixed Term Deposit ?
Fixed interest, fixed term or fixed income investments are a type of investment that offers regular set returns over a specific period of time. The idea of fixed income is that your rate of return is known, so unlike when you invest in stocks or most other kinds of investments, your wealth doesn’t fluctuate or fall. For this reason, fixed income assets are often seen as one of the safest forms of investing.
Fixed Term Deposit include some of the most popular investment classes such as Investment Funds, Government Bonds, and Savings Interest Accounts.
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Frequently Asked Questions
The maximum amount you can deposit depends on the provider.
In general the maximum deposits are $499,999
If you’d like to apply for a higher term deposit amount, speak with the product provider who can instruct you on the process.
If you haven’t provided instructions for when your term deposit matures, more often than not it will automatically be reinvested for the same term at the interest rate applicable on the date of maturity. You often will have seven calendar days after your funds are reinvested to make any changes (such as adding or withdrawing funds) at no cost.
This varies from provider to provider, but in general you’ll need to give at least 31 days’ notice. Please note that accessing your funds before maturity will often incur a prepayment cost, which is usually outlined in the terms and conditions.
Interest is calculated daily and paid annually into a bank account of your choice. There are often further benefits and additional bonus’ and preferential rates available for investors that extend or hold their investments past their maturity date.