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Shares vs savings accounts

Shares vs savings accounts


Investors have been tolerating low savings interest rates for four years now but term deposits and savings accounts continue to be very popular. The principal amount is guaranteed by the government - for amounts of $250,000 or less deposited into an authorised deposit taking institution like a bank or credit union. And investors can still get a reasonable rate of return far outstripping inflation by shopping around and comparing deals.

Recent big losses on share markets in Australia and around the world have highlighted how volatile share investing can be. The is one key reason why cash deposits like a high interest online savings account or term deposits remain Australia’s favourite investment.



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Savings Account Selector

Savings Amount

Account Type
Account Type

Featured Savings Accounts

Institution Product Max. Rate (%) Details
RaboDirect High Interest Savings Account 3.05 Go to site
Maxi Saver (2.85% variable for first 3 months) 2.85 Go to site
Maxi Saver Account (2.85% variable for first 3 months) 2.85 Go to site
Citi Online Saver (2.85% Variable intro rate for 4 months on balances up to $500k) 2.85 Go to site
Maxi Saver (NSW, ACT, SA & NT) (2.85% variable for first 3 months) 2.85 Go to site
Maxi Saver (QLD, VIC, WA & TAS) (2.85% variable for first 3 months) 2.85 Go to site
Institution Product Max. Rate (%) Details

Based on promotional or introductory rates for an online savings account of $5,000. For information on how we've selected these “Sponsored” and “Featured” products click here.


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