Compare Fixed Income Products Risk vs Return Analysis

Side-by-side comparison of all fixed income investment options in New Zealand. Select products to compare features, risks, and returns.

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Detailed Comparison

FeatureTerm Deposits
Expected Return4-6%
Risk LevelVery Low
Tax TreatmentPersonal/PIE
LiquidityFixed Term
Minimum Investment$500
Capital GuaranteeYes (Govt)
Best ForCapital safety, predictable income

Term Deposits

Pros

  • Government guaranteed
  • Predictable returns
  • No market risk

Cons

  • Money locked up
  • Lower returns
  • No early access
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Not Sure Which Option is Right for You?

Prefer Guaranteed Capital?

Term deposits offer government protection and predictable returns.

Explore Term Deposits

Want Tradeable Options?

Bonds offer liquidity and income without locking up your money.

Explore Bonds

Need Tax Efficiency?

PIE funds offer lower tax rates and professional management.

Explore PIE Funds