{"id":14777,"date":"2020-01-28T17:14:03","date_gmt":"2020-01-28T06:14:03","guid":{"rendered":"https:\/\/www.prosolution.com.au\/?p=14777"},"modified":"2020-01-30T10:56:49","modified_gmt":"2020-01-29T23:56:49","slug":"alternatives-to-term-deposits","status":"publish","type":"post","link":"https:\/\/wealthcoach.com.au\/stage\/alternatives-to-term-deposits\/","title":{"rendered":"What are the best alternatives to term deposits?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"250\" data-attachment-id=\"14782\" data-permalink=\"https:\/\/wealthcoach.com.au\/stage\/alternatives-to-term-deposits\/term-deposit-email\/\" data-orig-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/01\/Term-Deposit-email.png?fit=1000%2C250&amp;ssl=1\" data-orig-size=\"1000,250\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Term-Deposit-email\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/01\/Term-Deposit-email.png?fit=300%2C75&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/01\/Term-Deposit-email.png?fit=1000%2C250&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/01\/Term-Deposit-email.png?resize=1000%2C250&#038;ssl=1\" alt=\"Term deposits\" class=\"wp-image-14782\" srcset=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/01\/Term-Deposit-email.png?w=1000&amp;ssl=1 1000w, https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/01\/Term-Deposit-email.png?resize=300%2C75&amp;ssl=1 300w, https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/01\/Term-Deposit-email.png?resize=768%2C192&amp;ssl=1 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>With term deposit rates currently ranging between 1% and 2% p.a., and the prospect of further rate cuts by the RBA, many investors are contemplating where to invest their cash. Most commentators and economists agree that it looks like the interest rate environment will be lower for longer. If that turns out to be true, term deposit returns won\u2019t even keep up with inflation. Therefore, most people will need to consider alternative investments (e.g. retirees or young people saving for a housing deposit). However, there is one potentially costly mistake that people commonly make when doing this. That is the topic of this blog. <\/p>\n\n\n\n<p>By the way, even if this doesn\u2019t apply to you, it\u2019s important to check\nthat your parents aren\u2019t making this potentially costly mistake. So, perhaps\nshare this blog with them. <\/p>\n\n\n\n<iframe loading=\"lazy\" src=\"https:\/\/webplayer.whooshkaa.com\/episode\/566442?theme=light&amp;enable-volume=true\" height=\"190\" width=\"100%\" scrolling=\"no\" frameborder=\"0\" allow=\"autoplay\"><\/iframe>\n\n\n\n<h3 class=\"wp-block-heading\">You cannot talk about returns without also talking about risk<\/h3>\n\n\n\n<p>Benjamin Graham, the father of value investing (and Warren Buffett\u2019s teacher)\nsaid <em>\u201cThe essence of investment management is the management of risks, not\nthe management of returns.\u201d<\/em> This quote highlights the biggest mistake that\ninvestors make when considering alternative investments (to term deposits).\nThey fail to consider risk. <\/p>\n\n\n\n<p>Often, people may be tempted to invest in high-yielding Australian shares. As I highlighted in <a href=\"https:\/\/wealthcoach.com.au\/stage\/franking-credits\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">last week\u2019s blog<\/a>, Westpac (for example) currently offers a grossed up yield of nearly 10% p.a. That is hard to resist when you compare that to term deposit rates. <\/p>\n\n\n\n<p>However, term deposits are almost risk free, especially if the amount is less than $250,000 and with a bank (ADI), as its <a href=\"https:\/\/www.guaranteescheme.gov.au\/qa\/deposits.html\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">guaranteed<\/a> by the government. However, shares are one of the highest risk asset classes because they have a volatility rate in the range of 18% and 25%. This means that statistically, you should expect your investment returns to vary by this amount from year to year. For example, one year you might experience a 15% loss and the next year a 35% gain. Of course, it could be worse, and the market could crash. Share market and term deposits are at opposite ends of the risk spectrum. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Don\u2019t put all your assets in a risky basket<\/h3>\n\n\n\n<p>The common mistake that people make is not considering their risk\nallocation. For example, Keith has been retired for 5 years and historically he\nhad $350k invested in term deposits and $650k invested in shares. This asset\nallocation (35% in safe assets and 65% in risky assets) felt very comfortable\nto him. However, now his pool of \u201csafe\u201d monies isn\u2019t generating enough income.\nSo, if he invests this amount in high yielding shares, he\u2019s making a big\nmistake (because typically, that asset allocation is too aggressive for a\nretiree. <\/p>\n\n\n\n<p>At some point in our life (particularly in retirement), capital\npreservation becomes more important than investment returns. That is, avoiding losing\nmoney is justifiably more important than making money. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Telstra is a good example <\/h3>\n\n\n\n<p>Historically, investing in Telstra primarily for its high dividend yield\nwas very popular trend. Over the past 10 years its grossed-up dividend yield\nhas ranged between 5% and 10% p.a. However, spare a thought for the investors\nthat chased high dividends in 2015 when Telstra shares were trading at $6 per\nshare and the grossed-up yield was over 7% p.a. These investors have lost over\n35% of the original value of their investment (which they may never recover)!\nChasing yield, without any consideration of risk, is a recipe for disaster. <\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/01\/TLS-share-price.png?ssl=1\"><img loading=\"lazy\" decoding=\"async\" width=\"890\" height=\"647\" data-attachment-id=\"14779\" data-permalink=\"https:\/\/wealthcoach.com.au\/stage\/alternatives-to-term-deposits\/tls-share-price\/\" data-orig-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/01\/TLS-share-price.png?fit=890%2C647&amp;ssl=1\" data-orig-size=\"890,647\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"TLS-share-price\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/01\/TLS-share-price.png?fit=300%2C218&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/01\/TLS-share-price.png?fit=890%2C647&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/01\/TLS-share-price.png?resize=890%2C647&#038;ssl=1\" alt=\"term deposits \" class=\"wp-image-14779\" srcset=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/01\/TLS-share-price.png?w=890&amp;ssl=1 890w, https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/01\/TLS-share-price.png?resize=300%2C218&amp;ssl=1 300w, https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/01\/TLS-share-price.png?resize=768%2C558&amp;ssl=1 768w\" sizes=\"(max-width: 890px) 100vw, 890px\" data-recalc-dims=\"1\" \/><\/a><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">So, what are the alternatives? <\/h3>\n\n\n\n<p>There are a few alternatives to term deposits that warrant consideration\n(I list five below). Before I get into the list, I have a few important points\nto make:&nbsp; <\/p>\n\n\n\n<ul><li>I have discussed them in order of risk (from lower risk to higher risk);<\/li><li>It is likely that the best solution will be to use a combination of some\nor all of these alternatives (rather than picking one);<\/li><li>This is not an exhaustive list. There may be other alternative\ninvestments that might suit your circumstances better; and <\/li><li>Please do not act on the information contained in this blog alone. Its\nimportant that you receive independent, personalised advice before making any\ninvestment decisions. <\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">1. Investment grade corporate bonds (3.5% to 4% p.a.)<\/h3>\n\n\n\n<p>With central banks cutting official rates all over the world, government\nand treasury bond yields (interest rates) have been falling over recent months\nand years. Currently, government and treasury bonds do not offer materially\nhigher interest rates than term deposits. Therefore, we have to look to the\ncorporate sector to receive a higher income. <\/p>\n\n\n\n<p>An investment-grade rated corporate bond is relatively low risk, especially if the investor holds the bond to maturity (<a href=\"https:\/\/www.investopedia.com\/terms\/c\/corporatebond.asp\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">click here<\/a> for a description of what a bond is). There are many Australian corporate bond index funds provided by managers such as Russell, BetaShares and Vanguard. These funds are yielding in the range of 3.5% and 4.0% p.a. and funds usually pay this income monthly or quarterly. Bond interest (coupon) rates typically move in line with the RBA\u2019s cash rate, so if it cuts rates by 0.25% p.a. this year, it\u2019s likely that these rates will also fall by 0.25% p.a. <\/p>\n\n\n\n<p>You must be very careful picking which index funds to use. Things to watch out for include (1) concentration risk (indexing methodology) and (2) understand whether the bonds held are fixed or floating coupons and their <a href=\"https:\/\/www.investopedia.com\/terms\/d\/duration.asp\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">duration<\/a> as that could have an impact on capital values in certain market conditions. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Hybrid securities (\u2248 4% p.a.) <\/h3>\n\n\n\n<p>Hybrid securities are typically issued by Australian banks. They are\nessentially a cross between an <em>equity<\/em> and a <em>bond<\/em>. Each security\nwill have its own unique terms and conditions, and as such, two hybrid\nsecurities are rarely identical. As such, hybrid securities can vary significantly\nin terms of risks and returns. <\/p>\n\n\n\n<p>To accommodate these risks, I prefer to use active investment management when investing in these securities (i.e. not indexing, which I usually advocate). The reason is that each security needs to be assessed and valued in order to work out if its worth investing in. Historically, hybrid securities have one third of the volatility as shares, much like bonds, so they are a lower risk investment. I mainly use a fund operated by <a href=\"https:\/\/www.betashares.com.au\/fund\/active-australian-hybrids-fund\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">BetaShares and Coolabah Capital Investments<\/a> to make these investments. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Global infrastructure (\u2248 3.5% p.a. + growth)<\/h3>\n\n\n\n<p>Infrastructure involves investing in businesses that own and operate\nhigh-cost assets such as toll roads, communication assets, electrical systems\nand so on. These investments usually generate predictable and stable incomes,\nparticularly in a low interest rate environment. <\/p>\n\n\n\n<p>As many countries have exhausted monetary policy initiatives (such as\ncutting rates and quantitative easing), in order to stimulate the global\neconomy, governments will need to start (or continue) to loosen fiscal policy,\nwhich usually involves spending money on infrastructure. I highlight that Australia\nhas started to do this too. <\/p>\n\n\n\n<p>Infrastructure investments have historically paid a stable income yield\nof 3.5% p.a. with low volatility. Total returns over the past 10 years (i.e.\nincome + growth) have been over 13% p.a. Things to consider include the level\nof diversification (industry and geographical) and currency hedging. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Global real estate (\u2248 4.0% p.a. + growth)<\/h3>\n\n\n\n<p>Real Estate Investment Trusts and companies (REIT) are entities that\nderive most or all of their profit (EBITDA) from rental income. These tend to\nbe listed companies in developed markets. As these types of entities tend to\nhold debt, REIT\u2019s work well in a lower interest rate environment. <\/p>\n\n\n\n<p>I tend to avoid investing in Australian REIT\u2019s because they typically\nhave too much exposure to retail property, and we all know what\u2019s happening in\nretail! <\/p>\n\n\n\n<p>International REIT\u2019s have historically paid a stable income yield of\n4.0% p.a. with low volatility. Total returns over the past 10 years (i.e. income\n+ growth) have been over 12% p.a. Things to consider are very similar to\ninfrastructure i.e. diversification and currency hedging. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. High yielding shares <\/h3>\n\n\n\n<p>Of course, I have discussed the perils of moving money from term\ndeposits into high-yielding shares above. However, one way to reduce the risk\nslightly is to buy a diversified basket of shares, rather than picking the\nshares yourself. <\/p>\n\n\n\n<p>Many fund managers offer high-yielding products including Vanguard,\nBetaShares and iShares. These funds tend to hold between 20 and 60 companies.\nGrossed up dividend yields range from 5% to over 10% p.a., depending on the\nproduct. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Beware of solely focusing on income <\/h3>\n\n\n\n<p>As I discussed in <a href=\"https:\/\/wealthcoach.com.au\/stage\/why-is-it-wrong-to-invest-for-income\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">this blog<\/a>, it is often erroneous to invest purely just for income. It can result in a higher risk asset allocation. Instead, aiming for a combination of growth and income is often the most appropriate (i.e. safe) approach. &nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Saving for a housing deposit? <\/h3>\n\n\n\n<p>If you are saving for a housing deposit (or something else), the above investment options are typically still appropriate. You can access many of these investments cost-effectively via Exchange Traded Funds (ETF&#8217;s) &#8211; <a rel=\"noreferrer noopener\" aria-label=\"here's a list (opens in a new tab)\" href=\"https:\/\/www.morningstar.com.au\/ETFs\/PerformanceTable\" target=\"_blank\">here&#8217;s a list<\/a> of all EFT&#8217;s in Australia. All you need to do is open an online share trading account (e.g. <a rel=\"noreferrer noopener\" aria-label=\"CommSec (opens in a new tab)\" href=\"https:\/\/www.commsec.com.au\/\" target=\"_blank\">CommSec<\/a>) and buy shares in the relevant ETF. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Different times require different allocations <\/h3>\n\n\n\n<p>If interest rates remain at historical lows for an extended period of\ntime, then an increasing number of investors will need to look for alternative investments\n(to term deposits). There are many good alternatives. However, <strong>you cannot\ntalk about returns without also talking about risk<\/strong>. Remember what Ben\nGraham said; <em>\u201cThe essence of investment management is the management of\nrisks, not the management of returns.\u201d<\/em> If you need help with this, do not\nhesitate to reach out to us. &nbsp;<\/p>\n   ","protected":false},"excerpt":{"rendered":"<p>With term deposit rates currently ranging between 1% and 2% p.a., and the prospect of further rate cuts by the RBA, many investors are contemplating where to invest their cash&#8230;.<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"__cvm_playback_settings":[],"__cvm_video_id":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"footnotes":""},"categories":[30],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v21.9.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What are the best alternatives to term deposits? 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