{"id":96720,"date":"2023-11-04T23:19:43","date_gmt":"2023-11-04T23:19:43","guid":{"rendered":"https:\/\/arielle.com.au\/?p=96720"},"modified":"2026-01-22T04:45:44","modified_gmt":"2026-01-22T04:45:44","slug":"how-to-invest-money-in-australia","status":"publish","type":"post","link":"https:\/\/arielle.com.au\/how-to-invest-money-in-australia\/","title":{"rendered":"How To Invest Money In Australia (2026 Guide)"},"content":{"rendered":"Reading Time: <\/span> 8<\/span> minutes<\/span><\/span>\n

Saving a few hundred (or a few thousand) bucks monthly is a great habit. Your money compounds and can add up to a substantial sum after a few years. <\/p>\n\n\n\n

But how to invest money when quick-rich schemes are everywhere, the RBA looks uncertain<\/a>, and China’s economy continues to wobble?<\/p>\n\n\n\n

Smart investments can deliver better returns than cash in your savings account. <\/span><\/div><\/div>\n\n\n\n

Moreover, certain asset classes can act as an effective hedge against Australia’s stubborn inflation<\/a> (i.e., the weakening value of your money).<\/p>\n\n\n\n

Australians\u2019 main investments are typically their family home and their superannuation. <\/p>\n\n\n\n

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Important!<\/h3><\/div>

Unfortunately, the home is a very illiquid asset, while your super contributions are typically managed by your super fund (unless you opt to self-manage via an SMSF).<\/p><\/div><\/div><\/div><\/div><\/div>\n\n\n\n

Let’s examine your investment options beyond home and superannuation while discussing their potential upsides and risks.<\/p>\n\n\n\n

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1. Cash.<\/strong><\/h2>\n\n\n\n

All big Australian banks still offer term deposits that let you earn higher interest on your savings but lock up your money for a certain time period.<\/p>\n\n\n\n

Late last year, you could have locked in your cash at over 5%, better than the three-year return across the S&P\/ASX200 index<\/a>. <\/span><\/div><\/div>\n\n\n\n

Those days are over, but you can still find a rate approaching 4%<\/p>\n\n\n\n

<\/div>\n\n\n\n
Bank<\/th>12-Month Term Deposit Rate<\/th><\/tr><\/thead>
ANZ<\/strong><\/td>3.75%<\/td><\/tr>
NAB<\/strong><\/td>4.10%<\/td><\/tr>
Westpac<\/strong><\/td>3.55%<\/td><\/tr>
CBA<\/strong><\/td>3.80%<\/td><\/tr>
AMP<\/strong> Bank<\/strong><\/td>3.80%<\/td><\/tr>
Macquarie<\/strong> Bank<\/strong><\/td>4.35%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Above: Australian term deposit rates, $100,000 or more, for 12 months, as of January 2026.<\/em><\/p>\n\n\n\n

You can also invest in the cash asset class through managed funds and easily tradable ETFs (more on how these work below). <\/p>\n\n\n\n

(Related: Will The Australian Dollar Crash In 2026?<\/a>)<\/strong><\/p>\n\n\n\n

Examples of funds where the assets held focus on cash include:<\/p>\n\n\n\n