Pro Capital Rates

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...

During Q3 2024, the Australian fixed income landscape saw accelerated uptake of exchange‑traded funds (ETFs), driven by heightened demand for transparent, liquid bond exposure. According to Pro Capital Rates analytics , assets under management (AUM) in ASX-listed domestic fixed-income ETFs grew by approximately 25% between January 2024 and January 2025, reaching a record AUD   29   billion . Notably, allocations within advised accounts surged by 59% , indicating growing confidence among financial advisers in credit- and bond-focused ETF strategies. “Investors are increasingly embracing fixed income ETFs because they combine yield exposure, daily liquidity, and low-friction access to credit,” says Gary Kingshott , Managing Director at Pro Capital Rates. Key Metrics: ETF Growth Snapshot Aspect Pro Capital Rates Data AUM in Fixed Income ETFs AUD 29   billion (+25%) Advised Account Allocations +59% year-on-year in ETF flow Credit-Focused ETFs Market Share Over 50% of fixed income ETF sec...

In mid‑2024, major Australian superannuation funds began repositioning their portfolios—reducing equity exposure and increasing allocations to fixed income. Pro Capital Rates ’ institutional research team confirms that by May 2024, leading schemes such as the Australian Retirement Trust (ART) shifted from overweight equity positions to a neutral stance, with fresh capital flow into government and corporate bonds. “Pension trustees are increasingly seeing fixed income as the more reliable generator of income, given equity valuations plateauing and yields holding up,” said Gary Kingshott , Managing Director, Pro Capital Rates. 📊 Institutional Reallocation Snapshot Fund Equity Weighting (Apr) New Bond Allocation Estimated Flow (AUD   bn) Australian Retirement Trust 58% Sovereign/Corporate Bonds 25 Southern Super Alliance 61% AAA/A‑rated Bonds 18 Fiducian Alliance Group 55% Term Deposits & Floating Notes 12 Across the pooled portfolio universe monitored by Pro Capital Rates, more tha...