{"id":86147,"date":"2023-05-11T04:12:00","date_gmt":"2023-05-11T04:12:00","guid":{"rendered":"https:\/\/arielle.com.au\/?p=86147"},"modified":"2026-01-22T04:51:48","modified_gmt":"2026-01-22T04:51:48","slug":"how-to-buy-bonds-in-australia","status":"publish","type":"post","link":"https:\/\/arielle.com.au\/how-to-buy-bonds-in-australia\/","title":{"rendered":"How To Buy Bonds In Australia (2026 Guide)"},"content":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Reading Time: <\/span> <span class=\"rt-time\"> 10<\/span> <span class=\"rt-label rt-postfix\">minutes<\/span><\/span>\n<p>Continuing inflationary pressure, a rising cash rate and <a href=\"https:\/\/arielle.com.au\/what-happens-in-a-recession\/\">murmurs of a recession in 2026<\/a> have meant investing in Australian Government bonds is back in vogue. But how do you buy corporate bonds and Australian government bonds on the bond market?<\/p>\n\n\n\n<p>Many investors view government bonds as a relatively low-risk investment that offsets the risk of company stocks falling in a volatile economy. <\/p>\n\n\n\n<div class=\"indent-wrapper\"><div class=\"indented-text\"><span>They\u2019re also popular among individuals looking to diversify their portfolios and create an additional income stream.\u00a0<\/span><\/div><\/div>\n\n\n\n<p>However, purchasing Australian government bonds means navigating some complexity.<\/p>\n\n\n\n<p>I\u2019ll provide clarity by explaining:<\/p>\n\n\n\n<div class=\"arrow-wrapper\"><div class=\"arrow-list\"><ul><li><strong>How to<\/strong> <strong>purchase bonds<\/strong> step-by-step.<\/li><li><strong>Variables and risks <\/strong>to consider before investing in bonds.<\/li><li><strong>How investors use<\/strong> bonds as a hedge for balancing risk in your portfolio.<\/li><\/ul><\/div><\/div>\n\n\n\n<p><strong><strong>(Related: <a href=\"https:\/\/arielle.com.au\/best-share-trading-platform-australia\/\">13 Best Share Trading Platforms In Australia<\/a>).<\/strong><\/strong><\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What Are Australian Government Bonds?<\/strong><\/h2>\n\n\n\n<p>When you buy an Australian government bond, you\u2019re essentially loaning money to the government.<\/p>\n\n\n\n<p>In return, the government commits to paying you back the principal amount after a certain period, plus interest on the loan at regular intervals for your trouble.<\/p>\n\n\n\n<div class=\"arrow-wrapper\"><div class=\"arrow-list\"><ul><li><strong>Australian<\/strong> and state governments use bonds as a fundraising mechanism.<\/li><li><strong>Bonds<\/strong> might be issued to fund infrastructure projects or unforeseen costs (like pandemic relief).<\/li><\/ul><\/div><\/div>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"791\" src=\"https:\/\/arielle.com.au\/wp-content\/uploads\/2023\/07\/buying-australian-government-bonds-1024x791.jpg\" alt=\"buying government bonds\" class=\"wp-image-89478\" srcset=\"https:\/\/arielle.com.au\/wp-content\/uploads\/2023\/07\/buying-australian-government-bonds-1024x791.jpg 1024w, https:\/\/arielle.com.au\/wp-content\/uploads\/2023\/07\/buying-australian-government-bonds-300x232.jpg 300w, https:\/\/arielle.com.au\/wp-content\/uploads\/2023\/07\/buying-australian-government-bonds-768x593.jpg 768w, https:\/\/arielle.com.au\/wp-content\/uploads\/2023\/07\/buying-australian-government-bonds.jpg 1500w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div class=\"wp-block-create-block-tip-block tip-wrapper\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"card-wrapper\"><div class=\"card-title\"><div class=\"icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M7.5 14.33a5 5 0 1 1 5 0v4.17h-5v-4.17Zm4.25-1.3-.75.44V17H9v-3.53l-.75-.44a3.5 3.5 0 1 1 3.5 0Z\" fill=\"#656E83\"><\/path><path d=\"M9.25 1v2h1.5V1h-1.5ZM5.53 4.47l-1.5-1.5-1.06 1.06 1.5 1.5 1.06-1.06ZM15.53 5.53l1.5-1.5-1.06-1.06-1.5 1.5 1.06 1.06ZM1 10.75h2v-1.5H1v1.5ZM17 10.75h2v-1.5h-2v1.5Z\" fill=\"#656E83\"><\/path><\/svg><\/div><h3 placeholder=\"Tip Title Goes Here\">Important!<\/h3><\/div><div class=\"card-content\"><p placeholder=\"Tip Content Goes Here\">When rates offered on government bonds exceed those offered by banks, many retail investors begin to view them as an appealing, long-term, low-risk investment.<\/p><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How Do Corporate Bonds Differ From Government Bonds?<\/strong><\/h2>\n\n\n\n<p>When most investors talk about &#8220;bonds&#8221;, they usually mean &#8220;Australian commonwealth government securities&#8221;, aka &#8220;Australian government bonds&#8221;.<\/p>\n\n\n\n<div class=\"indent-wrapper\"><div class=\"indented-text\"><span>But you should know that corporate bonds &#8211; i.e., securities issued by private companies &#8211; also exist.<\/span><\/div><\/div>\n\n\n\n<p>Corporate bonds are similar to government bonds in the sense that they&#8217;re also:<\/p>\n\n\n\n<div class=\"arrow-wrapper\"><div class=\"arrow-list\"><ul><li><strong>Loans<\/strong> to an issuer.<\/li><li><strong>With<\/strong> a fixed maturity date and coupons (I&#8217;ll explain these in a moment).<\/li><li><strong>Defensive<\/strong> assets.<\/li><li><strong>Used<\/strong> to raise money.<\/li><\/ul><\/div><\/div>\n\n\n\n<p>Corporate bonds typically have higher yields because private companies are more likely to go bust. The government has other ways to raise funds in a pinch (hello, <a href=\"https:\/\/www.rba.gov.au\/education\/resources\/explainers\/unconventional-monetary-policy.html\">Quantitative Easing<\/a>). <\/p>\n\n\n\n<p><strong>(Related: <a href=\"https:\/\/arielle.com.au\/how-to-buy-gold-in-australia\/\">How To Start Investing In Gold<\/a>).<\/strong><\/p>\n\n\n\n<p>This means lower risks and, therefore, lower yields.<\/p>\n\n\n\n<div class=\"indent-wrapper\"><div class=\"indented-text\"><span>There&#8217;s no such thing as a free lunch \ud83d\ude42<\/span><\/div><\/div>\n\n\n\n<p>Here are the top 5 differences between corporate and government bonds:<\/p>\n\n\n\n<div style=\"height:35px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Government Bonds<\/th><th class=\"has-text-align-left\" data-align=\"left\">Corporate Bonds<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">Issued by governments<\/td><td class=\"has-text-align-left\" data-align=\"left\">Issued by companies<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Pay interest annually, semi-annually (eTBs) or quarterly (eTIBs)<\/td><td class=\"has-text-align-left\" data-align=\"left\">Pay interest more frequently (monthly, quarterly, semi-annually)<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Considered one of the safest investment options as they carry sovereign guarantees<\/td><td class=\"has-text-align-left\" data-align=\"left\">Riskier because of the higher market, credit and interest rate risks<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Lower returns because of the lower risk<\/td><td class=\"has-text-align-left\" data-align=\"left\">Potentially higher returns<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Issued for terms ranging between 5 and 30 years<\/td><td class=\"has-text-align-left\" data-align=\"left\">Maturities range between 1 and 25 years<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>How does owning a government bond compare to owning stock?<\/strong><\/h3>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"arrow-wrapper\"><div class=\"arrow-list\"><ul><li><strong>Bonds<\/strong> are debt instruments, while stocks are equity instruments.<\/li><li><strong>Bonds<\/strong> offer guaranteed returns. You\u2019ll receive regular interest payments on your bond for the lifecycle of the bond, unlike dividends, which can fluctuate significantly or be discontinued in downturns.<\/li><li><strong>Bonds don\u2019t signify ownership<\/strong> and have a fixed end date, unlike owning a stake in a company. Once your government bond matures (reaches the end of the loan period), you\u2019ll be paid back in full and can keep the cash or reinvest elsewhere.<\/li><li><strong>You can trade <\/strong>Australian government bonds you hold with other investors on the bond market, via the ASX. Just like stocks.<\/li><li><strong>Like shares, the value of the bond on the market can change over time<\/strong>. If you sell before your bond reaches maturity, you\u2019ll do so at market rates and potentially lose capital.<\/li><\/ul><\/div><\/div>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What Are The Different Types Of Australian Government Bonds?<\/strong><\/h2>\n\n\n\n<p>There are two main types of bonds Issued by the Australian Government (TBs and TIBs), plus three lesser-known securities.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th><\/th><th><\/th><\/tr><\/thead><tbody><tr><td><strong>Treasury Bonds (TBs)<\/strong><\/td><td>Medium to long-term debt securities with a maturity of over 10 years. TBs are fixed-interest rate bonds, meaning the amount of interest paid doesn\u2019t change over the duration of the bond.<\/td><\/tr><tr><td><strong>Treasury Indexed Bonds (TIBs)<\/strong><\/td><td>Debt securities indexed to inflation. TIBs are indexed bonds, where the amount of interest paid is adjusted based on inflation as determined by the Consumer Price Index (CPI).<\/td><\/tr><tr><td><strong>Treasury Notes<\/strong><\/td><td>Short-term debt securities with a maturity of less than 1 year.<\/td><\/tr><tr><td><strong>Treasury Discount Securities<\/strong><\/td><td>Short-term debt securities with a maturity of 1 year<\/td><\/tr><tr><td><strong>Infrastructure Bonds<\/strong><\/td><td>Used to fund Australian infrastructure projects.<\/td><\/tr><tr><td><strong>Defence Bonds<\/strong><\/td><td>Used to fund the country\u2019s defence initiatives. Enable retail investors to gain exposure to Australia&#8217;s major defence procurement projects.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How To Buy Individual Bonds In Australia.<\/strong><\/h2>\n\n\n\n<p>You can buy and sell an exchange-traded Australian Government Bond (eAGBs) over the counter from the Australian Securities Exchange (ASX) &#8211; or via an online trading platform. <\/p>\n\n\n\n<div class=\"indent-wrapper\"><div class=\"indented-text\"><span>The latter allows you to start with as little as a few hundred dollars, while the former has a minimal initial investment of about $500,000.<\/span><\/div><\/div>\n\n\n\n<p>You also have the option of purchasing bonds directly from some State Governments.<\/p>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1.  ASX Trading Services.<\/strong><\/h3>\n\n\n\n<p>You can buy Australian government securities on the ASX through a full-service broker or via a self-service online broking account.&nbsp;<\/p>\n\n\n\n<p>To self-manage your investment in Australian government bonds, follow this process:&nbsp;<\/p>\n\n\n\n<div class=\"arrow-wrapper\"><div class=\"arrow-list\"><ul><li><strong>Open a brokerage account: <\/strong>Find a broker that sells bonds and follow their prompts to open an account (<a href=\"https:\/\/arielle.com.au\/best-online-broker-australia\/\">best online brokers in Australia<\/a>). The process takes anywhere from 1 hour to a few days.<\/li><li><strong>Determine your investment strategy: <\/strong>Conduct research to decide on the type of bond you want to buy, the amount you want to invest, your appetite for risk and the length of time you plan to hold the bond.<\/li><li><strong>Place an order: <\/strong>Place a buy order via your broker. Although you can do this over the phone or online, the former method attracts considerably higher fees (as much as $50 per transaction), which eat into your profits.<\/li><li><strong>Hold or sell the bond: <\/strong>Once the trade has settled, you can hold it until maturity or sell it before maturity. If you choose to sell the bond before maturity, the price you receive will depend on market conditions and the remaining time until maturity.<\/li><\/ul><\/div><\/div>\n\n\n\n<p><strong>(Related: <a href=\"https:\/\/arielle.com.au\/how-to-trade-futures-in-australia\/\">How To Start Trading Futures In Australia<\/a>).<\/strong><\/p>\n\n\n\n<div style=\"height:62px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Directly From The Government.&nbsp;<\/strong><\/h3>\n\n\n\n<p>While the facility to buy directly from Australia\u2019s Federal Treasury closed in 2013, buying bonds directly from some state governments is still possible.<\/p>\n\n\n\n<p>For instance, through <a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.tcorp.nsw.gov.au\/html\/\">NSW Government\u2019s TCorp<\/a>, and the <a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.qtc.com.au\/public-bonds\/\">Queensland Treasury Corporation<\/a>.<\/p>\n\n\n\n<p>These bond issuers have varying requirements for applying and creating accounts and differing levels of minimum investment.<\/p>\n\n\n\n<p><strong>(Related: <a href=\"https:\/\/arielle.com.au\/etoro-review-australia\/\">Is eToro Still A Good Trading Platform?<\/a>)<\/strong><\/p>\n\n\n\n<div class=\"wp-block-create-block-tip-block tip-wrapper\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"card-wrapper\"><div class=\"card-title\"><div class=\"icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M7.5 14.33a5 5 0 1 1 5 0v4.17h-5v-4.17Zm4.25-1.3-.75.44V17H9v-3.53l-.75-.44a3.5 3.5 0 1 1 3.5 0Z\" fill=\"#656E83\"><\/path><path d=\"M9.25 1v2h1.5V1h-1.5ZM5.53 4.47l-1.5-1.5-1.06 1.06 1.5 1.5 1.06-1.06ZM15.53 5.53l1.5-1.5-1.06-1.06-1.5 1.5 1.06 1.06ZM1 10.75h2v-1.5H1v1.5ZM17 10.75h2v-1.5h-2v1.5Z\" fill=\"#656E83\"><\/path><\/svg><\/div><h3 placeholder=\"Tip Title Goes Here\">Important!<\/h3><\/div><div class=\"card-content\"><p placeholder=\"Tip Content Goes Here\">There are also several bond-themed Exchange Traded Funds (ETFs) listed on the ASX, and managed funds that invest in bonds \u2014 both of which can give investors indirect exposure to a collection of Australian government bonds in one product.\u00a0Contact a manager at a managed fund to learn more about your options.<\/p><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Variables To Consider Before Buying A Bond.&nbsp;<\/strong><\/h2>\n\n\n\n<p>When selecting individual bonds, consider these critical factors.&nbsp;<\/p>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1.  Credit Rating.<\/strong><\/h3>\n\n\n\n<p><a href=\"https:\/\/www.investopedia.com\/terms\/b\/bondrating.asp\" target=\"_blank\" rel=\"noreferrer noopener\"><u>The credit rating of the government bond issuer<\/u><\/a> is an essential data point to which you must pay attention. It indicates the likelihood of timely repayment of the bond\u2019s principal and interest.&nbsp;<\/p>\n\n\n\n<div class=\"indent-wrapper\"><div class=\"indented-text\"><span>A higher credit rating indicates a lower risk of default and may result in lower yields.\u00a0<br>A lower credit rating indicates a higher risk of default and may result in higher yields to compensate for the added risk.<\/span><\/div><\/div>\n\n\n\n<p>What\u2019s an acceptable credit rating? <\/p>\n\n\n\n<p>AAA is the highest, then AA, A, BBB, and so on. Anything below a BBB rating is generally considered \u2018junk bond\u2019 territory.<\/p>\n\n\n\n<p><strong>(Related: <a href=\"https:\/\/arielle.com.au\/how-do-franking-credits-work\/\">How Do Franking Credits Work?<\/a>)<\/strong><\/p>\n\n\n\n<div style=\"height:59px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2.  Maturity Date, Coupon And Yield.<\/strong><\/h3>\n\n\n\n<p>The maturity date determines when you will receive the principal amount back, while the yield will determine <em>the amount you receive<\/em>.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Maturity Date:<\/strong><\/p>\n\n\n\n<div class=\"arrow-wrapper\"><div class=\"arrow-list\"><ul><li><strong>Clarifies <\/strong>when the bond will be redeemed, with the principal paid back to you.<\/li><li><strong>Offer<\/strong> higher yields for longer investment periods, but carry more uncertainty and market risk.<\/li><\/ul><\/div><\/div>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Coupon:<\/strong><\/p>\n\n\n\n<div class=\"arrow-wrapper\"><div class=\"arrow-list\"><ul><li><strong>The annual interest rate paid<\/strong> on a bond, expressed as a percentage of the bond\u2019s face value (its value when first issued).<\/li><li><strong>Coupon payments<\/strong> are made throughout the bond&#8217;s life, every six months for eTBs and every three months for eTIBs.<\/li><\/ul><\/div><\/div>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Yield:&nbsp;<\/strong><\/p>\n\n\n\n<div class=\"arrow-wrapper\"><div class=\"arrow-list\"><ul><li><strong>Rate<\/strong> of return that you will receive from holding the bond.<\/li><li>Yield to maturity can change if the underlying value of the bond changes in the market. Yield to Maturity is based on the assumption that the holder of the bond will reinvest coupon payments at the same interest rate and hold the bond until maturity.<\/li><\/ul><\/div><\/div>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-create-block-tip-block tip-wrapper\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"card-wrapper\"><div class=\"card-title\"><div class=\"icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M7.5 14.33a5 5 0 1 1 5 0v4.17h-5v-4.17Zm4.25-1.3-.75.44V17H9v-3.53l-.75-.44a3.5 3.5 0 1 1 3.5 0Z\" fill=\"#656E83\"><\/path><path d=\"M9.25 1v2h1.5V1h-1.5ZM5.53 4.47l-1.5-1.5-1.06 1.06 1.5 1.5 1.06-1.06ZM15.53 5.53l1.5-1.5-1.06-1.06-1.5 1.5 1.06 1.06ZM1 10.75h2v-1.5H1v1.5ZM17 10.75h2v-1.5h-2v1.5Z\" fill=\"#656E83\"><\/path><\/svg><\/div><h3 placeholder=\"Tip Title Goes Here\">Important!<\/h3><\/div><div class=\"card-content\"><p placeholder=\"Tip Content Goes Here\">Generally, bonds with longer maturities and lower credit ratings offer higher yields to compensate for the added risk.<\/p><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4.  Minimum Investment.&nbsp;<\/strong><\/h3>\n\n\n\n<p>The minimum investment for Australian government bonds issued through the electronic platform, known as eTBs (Exchange-traded Treasury Bonds) or eTIBs (Exchange-traded Treasury Indexed Bonds), <a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.australiangovernmentbonds.gov.au\/how-invest#:~:text=The%20minimum%20investment%20holding%20of,or%20eTIB%20has%20been%20issued.\"><u>is equivalent to $100 of the face value.<\/u><\/a><\/p>\n\n\n\n<p>You can purchase eTBs or eTIBs in smaller increments, but in those scenarios, make your purchases through a broker (not directly through the ASX) \u2013 and doing so may attract higher brokerage fees.<\/p>\n\n\n\n<p><strong>(Related: <a href=\"https:\/\/arielle.com.au\/how-to-day-trade-in-australia\/\">How To Day Trade In Australia<\/a>).<\/strong><\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What Are The Risks Of Buying Bonds?<\/strong><\/h2>\n\n\n\n<p>Investing in government bonds in Australia is not without risks. Learn about the downsides before you proceed.<\/p>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1.  Interest Rates &amp; Inflation.<\/strong><\/h3>\n\n\n\n<p>eTBs are fixed-rate bonds, so the interest rate determining your coupon payments doesn\u2019t change.<\/p>\n\n\n\n<p>However, government bond prices usually decrease as the RBA\u2019s cash rate rises.<\/p>\n\n\n\n<p><strong>(Related: <a href=\"https:\/\/arielle.com.au\/best-password-managers-australia\/\">9 Best Password Managers In Australia<\/a>).<\/strong><\/p>\n\n\n\n<p>This means the yield on the bond becomes less attractive, and the bond\u2019s market value may decrease, which is problematic if you want to trade your bonds before maturity.<\/p>\n\n\n\n<div class=\"indent-wrapper\"><div class=\"indented-text\"><span><em>When interest rates fall, bonds issued earlier at a higher coupon rate also become more attractive on the market and potentially more valuable if you\u2019re looking to sell.<\/em><\/span><\/div><\/div>\n\n\n\n<p>Interest rates also affect the market value of eTIBs.<\/p>\n\n\n\n<p><strong>(Related: <a href=\"https:\/\/arielle.com.au\/what-is-options-trading\/\">What Is Options Trading?<\/a>)<\/strong><\/p>\n\n\n\n<p>And while eTIBs are indexed to help protect against rising inflation \u2014 meaning coupon payments increase if the CPI increases \u2014 the inverse is also true.<\/p>\n\n\n\n<p>If CPI declines, the size of coupon interest payments can also shrink, although not below the floor interest value of the bond.<\/p>\n\n\n\n<div class=\"wp-block-create-block-tip-block tip-wrapper\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"card-wrapper\"><div class=\"card-title\"><div class=\"icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M7.5 14.33a5 5 0 1 1 5 0v4.17h-5v-4.17Zm4.25-1.3-.75.44V17H9v-3.53l-.75-.44a3.5 3.5 0 1 1 3.5 0Z\" fill=\"#656E83\"><\/path><path d=\"M9.25 1v2h1.5V1h-1.5ZM5.53 4.47l-1.5-1.5-1.06 1.06 1.5 1.5 1.06-1.06ZM15.53 5.53l1.5-1.5-1.06-1.06-1.5 1.5 1.06 1.06ZM1 10.75h2v-1.5H1v1.5ZM17 10.75h2v-1.5h-2v1.5Z\" fill=\"#656E83\"><\/path><\/svg><\/div><h3 placeholder=\"Tip Title Goes Here\">Important!<\/h3><\/div><div class=\"card-content\"><p placeholder=\"Tip Content Goes Here\">This risk can be particularly relevant for long-term bonds, which are more sensitive to changes in interest rates. In Australia, <a href=\"https:\/\/arielle.com.au\/interest-rate-forecast-australia\/\">current interest rates are a topic of great discussion<\/a>, reflecting instability in the broader economic market.<\/p><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2.  Credit Risk.<\/strong><\/h3>\n\n\n\n<p>Although the Australian government is considered a safe issuer of bonds, the credit default risk is never zero.<\/p>\n\n\n\n<div class=\"indent-wrapper\"><div class=\"indented-text\"><span>If the government cannot meet its debt obligations, it may default on its payments to bondholders.<\/span><\/div><\/div>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.  Liquidity Risk.<\/strong><\/h3>\n\n\n\n<p>Government bonds are a liquid investment. They can be easily bought or sold without significantly affecting the market price.&nbsp;<\/p>\n\n\n\n<p>However, there may be times when the market for government bonds is illiquid, meaning it may be difficult to buy or sell the bonds at the desired price or within a reasonable timeframe (e.g., in the event of a default).<\/p>\n\n\n\n<p><strong>(Related: <a href=\"https:\/\/arielle.com.au\/what-is-leverage-in-trading\/\">What Is Leverage In Trading?<\/a>)<\/strong><\/p>\n\n\n\n<p>The likely outcome result is higher transaction costs or the inability to liquidate the investment at an acceptable price.<\/p>\n\n\n\n<div style=\"height:61px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4.  Market Risk.<\/strong><\/h3>\n\n\n\n<p>Government bonds, like any other investment, are subject to market risk.<\/p>\n\n\n\n<p>Market risk can be affected by a variety of factors, including:&nbsp;<\/p>\n\n\n\n<div class=\"arrow-wrapper\"><div class=\"arrow-list\"><ul><li><strong style=\"color: initial; font-family: -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif;\">Geopolitical <\/strong><span style=\"color: initial; font-family: -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif;\">events<\/span> in Australia and abroad (e.g., the Ukraine war, the pandemic).<\/li><li><strong style=\"color: initial; font-family: -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif;\">Leadership <\/strong>changes (e.g., the election of a leader with a poor economic track record).<\/li><\/ul><\/div><\/div>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5.  Reinvestment Risk.<\/strong><\/h3>\n\n\n\n<p>Your reinvestment risk is higher when you purchase a government bond with a fixed interest rate.&nbsp;<\/p>\n\n\n\n<p>As the bond matures or the interest payments cease, you may not be able to reinvest the proceeds at a similar or better rate of return.<\/p>\n\n\n\n<div class=\"indent-wrapper\"><div class=\"indented-text\"><span>This risk is particularly relevant in a low-interest-rate environment.<\/span><\/div><\/div>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6.  Call Risk.<\/strong><\/h3>\n\n\n\n<p>Some government bonds may be callable, meaning the issuer can redeem the bond before maturity. <\/p>\n\n\n\n<div class=\"indent-wrapper\"><div class=\"indented-text\"><span>This can result in you receiving less than the expected return and can create uncertainty regarding the timing and magnitude of future cash flows.<\/span><\/div><\/div>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>7.  Currency Risk.<\/strong><\/h3>\n\n\n\n<p>We\u2019ve focused on Australian government bonds, but you might also consider bonds issued by international governments like the US Treasury.<\/p>\n\n\n\n<p>If you decide to buy international bonds denominated in a foreign currency (e.g., US dollar or euro), you must absorb the risk of currency fluctuations (<a href=\"https:\/\/arielle.com.au\/best-forex-trading-platforms-australia\/\">what are the best forex platforms in Australia<\/a>?).<\/p>\n\n\n\n<div class=\"wp-block-create-block-tip-block tip-wrapper\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"card-wrapper\"><div class=\"card-title\"><div class=\"icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M7.5 14.33a5 5 0 1 1 5 0v4.17h-5v-4.17Zm4.25-1.3-.75.44V17H9v-3.53l-.75-.44a3.5 3.5 0 1 1 3.5 0Z\" fill=\"#656E83\"><\/path><path d=\"M9.25 1v2h1.5V1h-1.5ZM5.53 4.47l-1.5-1.5-1.06 1.06 1.5 1.5 1.06-1.06ZM15.53 5.53l1.5-1.5-1.06-1.06-1.5 1.5 1.06 1.06ZM1 10.75h2v-1.5H1v1.5ZM17 10.75h2v-1.5h-2v1.5Z\" fill=\"#656E83\"><\/path><\/svg><\/div><h3 placeholder=\"Tip Title Goes Here\">Expert Tip.<\/h3><\/div><div class=\"card-content\"><p placeholder=\"Tip Content Goes Here\">Currency risks often compound with market risks. For example, a hypothetical pandemic in the United States would trigger quantitative easing, increasing the value of bonds. However, the move would have an inflationary effect on the US currency, offsetting your net gains.<\/p><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How Bonds Can Improve Your Investment Portfolio.<\/strong><\/h2>\n\n\n\n<p>Government bonds can be an effective method of balancing an investment portfolio. <\/p>\n\n\n\n<p>They counterbalance other investments, such as stocks (<a href=\"https:\/\/arielle.com.au\/how-to-invest-in-stocks-australia\/\" target=\"_blank\" rel=\"noreferrer noopener\"><u>how to invest in stocks<\/u><\/a>), by providing stability and income during market downturns.&nbsp;<\/p>\n\n\n\n<p>Let&#8217;s unpack:<\/p>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1.  Less Volatility, More Stability<\/strong>.<\/h3>\n\n\n\n<p>Government bonds are a more dependable source of returns \u2014 even if they\u2019re modest \u2014 during economic uncertainty or stock market volatility. <\/p>\n\n\n\n<div class=\"indent-wrapper\"><div class=\"indented-text\"><span>They can serve as a defensive asset, helping to protect your portfolio against potential losses across other assets.<\/span><\/div><\/div>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2.  Diversification.<\/strong><\/h3>\n\n\n\n<p>Because they typically have a low correlation with other asset classes, such as equities or commodities, government bonds can help reduce overall portfolio risk and increase returns.<\/p>\n\n\n\n<p>You can further diversify by considering different bond types and lengths till maturity to further spread your risks. <\/p>\n\n\n\n<div class=\"indent-wrapper\"><div class=\"indented-text\"><span>For example, you might protect a larger slice of your capital via low-yield government bonds, but also allocate a certain amount to higher-yielding corporate bonds.<\/span><\/div><\/div>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.  Regular Income.<\/strong><\/h3>\n\n\n\n<p>Government bonds provide a reliable source of regular income through interest\/coupon payments, which can be particularly attractive to investors seeking a consistent passive income stream.<\/p>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4.  Tax Benefits.<\/strong><\/h3>\n\n\n\n<p>Government bonds issued in Australia may provide tax benefits for investors, depending on the specific bond and the investor&#8217;s tax situation. <\/p>\n\n\n\n<div class=\"indent-wrapper\"><div class=\"indented-text\"><span>For example, some government bonds may offer tax-free income, while others may provide tax credits or deductions.<\/span><\/div><\/div>\n\n\n\n<p><strong>(Related: <a href=\"https:\/\/arielle.com.au\/what-is-copy-trading\/\">What Is Copy Trading?<\/a>)<\/strong><\/p>\n\n\n\n<div style=\"height:55px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5.  Fixed Interest Payments.&nbsp;<\/strong><\/h3>\n\n\n\n<p>Many government bonds pay fixed interest payments, providing a steady, predictable cash flow, which helps investors plan for expenses during periods of low or uncertain market returns.&nbsp;<\/p>\n\n\n\n<div style=\"height:41px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What Is The Right Balance Of Bonds To Other Investments In My Portfolio?<\/strong><\/h2>\n\n\n\n<p>I recommend you seek guidance from a financial professional, thoroughly research the bond market, and carefully review the bond information provided by the ASX and <a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.aofm.gov.au\/securities\">Australian Office of Financial Management<\/a> to create a balanced investment portfolio.<\/p>\n\n\n\n<p>You should also read the relevant&nbsp;<a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.australiangovernmentbonds.gov.au\/node\/31\">Investor Information Statement and Term Sheets<\/a> and a product disclosure statement of any managed fund you deal with.<\/p>\n\n\n\n<p>The popular <a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.investopedia.com\/articles\/investing\/062714\/100-minus-your-age-outdated.asp#:~:text=The%20common%20rule%20of%20asset,age%20may%20be%20more%20appropriate.\"><u>\u201cage-based rule\u201d<\/u><\/a> is used by some investors to determine the percentage of their portfolio allocated to stocks, with the remaining portion allocated to bonds.&nbsp;However, this is just a general guideline and may not be suitable for everyone.&nbsp;<\/p>\n\n\n\n<div class=\"indent-wrapper\"><div class=\"indented-text\"><span>For example, according to the rule, a 40-year-old would consider allocating 60% of their portfolio to stocks and 40% to bonds.<\/span><\/div><\/div>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Australian Economic Conditions Outlook.<\/strong><\/h2>\n\n\n\n<p><u><a href=\"https:\/\/arielle.com.au\/inflation-rate-australia\/\">Current economic conditions<\/a><\/u> in Australia are shaky.<\/p>\n\n\n\n<p>Many investors are understandably cautious, but it\u2019s important to remember that when markets look likely to slump, it is traditionally an attractive time for buying bonds.<\/p>\n\n\n\n<div class=\"indent-wrapper\"><div class=\"indented-text\"><span>Australia is fortunate enough to have a stable, well-managed economy.<\/span><\/div><\/div>\n\n\n\n<p>Yes, it\u2019s not perfect, but it has a rock-solid reputation on the world stage, which allows you to share in its success by purchasing Australian bonds.<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Final Words On How To Buy Bonds In Australia.<\/strong><\/h2>\n\n\n\n<p>Government bonds are a viable investment option for Australian retail investors seeking stability and portfolio diversification.<\/p>\n\n\n\n<div class=\"indent-wrapper\"><div class=\"indented-text\"><span>They typically hedge against more aggressive investing strategies like stock, crypto and CFD investments.<\/span><\/div><\/div>\n\n\n\n<p>Government bonds may deliver lower returns than what you\u2019d expect from stocks, but in volatile times, you may prefer the peace of mind of a government-backed security issued by the Reserve Bank of Australia.<\/p>\n\n\n\n<div class=\"wp-block-create-block-tip-block tip-wrapper\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"card-wrapper\"><div class=\"card-title\"><div class=\"icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M7.5 14.33a5 5 0 1 1 5 0v4.17h-5v-4.17Zm4.25-1.3-.75.44V17H9v-3.53l-.75-.44a3.5 3.5 0 1 1 3.5 0Z\" fill=\"#656E83\"><\/path><path d=\"M9.25 1v2h1.5V1h-1.5ZM5.53 4.47l-1.5-1.5-1.06 1.06 1.5 1.5 1.06-1.06ZM15.53 5.53l1.5-1.5-1.06-1.06-1.5 1.5 1.06 1.06ZM1 10.75h2v-1.5H1v1.5ZM17 10.75h2v-1.5h-2v1.5Z\" fill=\"#656E83\"><\/path><\/svg><\/div><h3 placeholder=\"Tip Title Goes Here\">Disclaimer.<\/h3><\/div><div class=\"card-content\"><p placeholder=\"Tip Content Goes Here\">The information presented here is general in nature and does not endorse any investment product, market, provider, or service. It is not intended as financial advice or a recommendation to trade &#8211; or not to trade. Trading futures, shares, ETFs, options, CFDs, and forex involves a high level of risk and may result in significant losses, particularly when leverage is used. Past performance does not guarantee future results. Before trading, consider whether the product is appropriate for your circumstances and seek independent professional advice. Refer to the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD) on the provider\u2019s website.<\/p><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div style=\"height:38px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Jody<\/p>\n\n\n\n<div style=\"height:29px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p><span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Reading Time: <\/span> <span class=\"rt-time\"> 10<\/span> <span class=\"rt-label rt-postfix\">minutes<\/span><\/span>Continuing inflationary pressure, a rising cash rate and murmurs of a recession in 2026 have meant investing in Australian Government<\/p>\n","protected":false},"author":14,"featured_media":87056,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"_uag_custom_page_level_css":"","_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[267,304],"tags":[],"class_list":["post-86147","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money","category-start-share-trading"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How To Buy Bonds In Australia (2026 Guide)<\/title>\n<meta name=\"description\" content=\"Learn how to invest in Australian government bonds with our step-by-step guide. Discover the benefits, risks and best practices.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/arielle.com.au\/how-to-buy-bonds-in-australia\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How To Buy Bonds In Australia (2026 Guide)\" \/>\n<meta property=\"og:description\" content=\"Learn how to invest in Australian government bonds with our step-by-step guide. Discover the benefits, risks and best practices.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/arielle.com.au\/how-to-buy-bonds-in-australia\/\" \/>\n<meta property=\"og:site_name\" content=\"Arielle Executive\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/ArielleExecutive\/\" \/>\n<meta property=\"article:published_time\" content=\"2023-05-11T04:12:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-22T04:51:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/arielle.com.au\/wp-content\/uploads\/2023\/05\/how-to-buy-bonds-in-australia.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1490\" \/>\n\t<meta property=\"og:image:height\" content=\"838\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Jody McDonald\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@arielleexec\" \/>\n<meta name=\"twitter:site\" content=\"@arielleexec\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jody McDonald\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"13 minutes\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"How To Buy Bonds In Australia (2026 Guide)","description":"Learn how to invest in Australian government bonds with our step-by-step guide. 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