Bonds vs term deposits: which suits your needs?

When a known maturity and government-backed cashflows are the priority, individual exchange-traded Australian Government Bonds are our fixed-income reference point.

OUR #1 CHOICE

Australian Government exchange-traded bonds

When a known maturity and government-backed cashflows are the priority, individual exchange-traded Australian Government Bonds are our fixed-income reference point.

Product or service details

Market value may fluctuate before maturity; term deposits have a different deposit-guarantee structure and early-access terms.

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In this guide
How to compareImportant trade-offsExplore moreCommon questions

Why this is our Best choice

When a known maturity and government-backed cashflows are the priority, individual exchange-traded Australian Government Bonds are our fixed-income reference point.

What you get

Market value may fluctuate before maturity; term deposits have a different deposit-guarantee structure and early-access terms.

Other options worth knowing

Term deposits at Australian banksOur alternative to compare for a different budget, platform or specialist need.
VAF ETFOur alternative to compare for a different budget, platform or specialist need.

Important risks and trade-offs

  • A bond price can fall even if scheduled coupons are fixed.
  • Do not assume guarantees transfer across countries.
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FREQUENTLY ASKED QUESTIONS

Questions people ask

What is the best choice for bonds vs term deposits: which suits your needs?+

Our first choice is Australian Government exchange-traded bonds. When a known maturity and government-backed cashflows are the priority, individual exchange-traded Australian Government Bonds are our fixed-income reference point.

Why did we choose Australian Government exchange-traded bonds? +

When a known maturity and government-backed cashflows are the priority, individual exchange-traded Australian Government Bonds are our fixed-income reference point.

What should buyers know about Australian Government exchange-traded bonds? +

Market value may fluctuate before maturity; term deposits have a different deposit-guarantee structure and early-access terms.

What alternative is worth comparing for bonds vs term deposits: which suits your needs?+

Term deposits at Australian banks is the first alternative on our shortlist.

Where to go next

Use the related guides below to compare the broader, familiar choices. For country-specific financial services, check the rules and provider permissions in the country where you live.

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