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Why 2025 Might Be the Smartest Time to Lock in a Fixed Return

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With markets teetering between rate-hold speculation and inflation uncertainty, term deposit investors find themselves at a rare crossroads: yields are holding strong, institutions are competing aggressively for capital, and opportunities are emerging for those ready to act decisively. According to Pro Capital Rates ' latest analysis, short- to mid-term deposit rates have remained impressively resilient well into Q3 2025. Managing Director Gary Kingshott notes that 3-, 6-, and even 12-month term deposits across Australia are still posting yields above 4% per annum — a level not seen consistently since the mid-2000s. “We’re seeing a sustained sweet spot in the market,” Kingshott explains. “Yields are stable, the RBA is holding firm, and banks are still hungry for capital inflows. That combination doesn’t come around often.” Short-Term Strength Meets Long-Term Strategy The key insight from our research? Even the shortest tenors — 90-day and 180-day term deposits — are offering real r...
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Pro Capital Rates: Australian Bond Market Steadies as Yield Curve Steepens

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In the first quarter of 2025, Australia’s bond market demonstrated renewed resilience as the yield curve bull‑steepened , according to analytics from Pro Capital Rates ’ Fixed Income Desk . The 3‑year government bond yield dropped by 12 basis points , while the 10‑year yield rose modestly—by approximately 5 bps—bringing the 10‑year yield to 4.85% . This combination reinforced a steeper curve profile that underpinned stable income expectations amid evolving policy dynamics. “The curve’s steepening signals investor confidence in carry, with shorter maturities grinding lower while long-end yields remain supported,” said Gary Kingshott , Managing Director at Pro Capital Rates. 📉 Yield Curve Dynamics: Key Metrics Tenor Start of Q1 Yield End of Q1 Yield Change (bps) 3-Year Govt Bond 3.78% 3.66% –12 5-Year Govt Bond 4.12% 4.28% 16 10-Year Govt Bond 4.80% 4.85% 5 This slight steepening contrasts with previous quarters' flattening and reflects recalibrating expectations around rate cuts a...
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ASIC’s 31-Day Notice Relief Extended: What Sophisticated Investors Should Know

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In a move that underscores the regulator’s continued efforts to support both depositor flexibility and systemic stability, the Australian Securities & Investments Commission (ASIC) has formally extended its long-standing relief on 31-day notice term deposits via Instrument 2025/172 , effective from March 28, 2025. This legislative remaking ensures that term deposits with a 31-day notice period retain their classification as “basic deposit products” —a key designation that directly impacts how they’re marketed, managed, and disclosed to investors. For sophisticated and wholesale investors, particularly those managing Self-Managed Superannuation Funds (SMSFs), this is not just a regulatory footnote—it’s a material change to how short-duration liquidity can be planned within fixed income strategies. What Is the 31-Day Notice Period—and Why Does It Matter? Traditionally, term deposits offer locked-in capital protection and guaranteed interest payments , with fixed terms ranging from ...
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Top Term Deposit Picks for 2025: Insights from the Pro Capital Rates Analyst Desk

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As we head into the heart of 2025, sophisticated investors across Australia are once again refocusing on the income stability, capital protection, and yield predictability offered by term deposits. But not all term deposits are created equal — and in a climate of evolving rates and macro uncertainty, provider selection and term structuring matter more than ever. At Pro Capital Rates , our analysts have reviewed over 75 term deposit products across major banks, regional institutions, and emerging digital lenders to uncover where value lies for investors today. The verdict? High-yield opportunities still exist — but only if you know where to look. “The median rate isn’t the whole story,” says Gary Kingshott , Managing Director at Pro Capital Rates. “What matters is the right blend of yield, payout timing, and liquidity. Some products are offering north of 5.1% p.a. — but access varies depending on whether you’re wholesale, retail, or investing via SMSF.” What Makes a Top-Pick Term Depos...
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