Liam Shorte

speaker

320 appearances 2 recordings 1 series first heard May 2026 last heard 7 Jul

Liam Shorte’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 2 in all, peaking in Jul 2026 with 1.

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The Money Puzzle · Are you prepared for a sharemarket crash? · 7 Jul 2026 podcast

And I'll tell you, the 10-year return, the two we use, it's 9% per year.

Yeah, so when we talk about cash and fixed interest, I don't want people just leaving money sitting in a cheque account.

We have six months of their income in a high interest account earning about 4.6%, 4.8%.

Then we've got a 12-month term deposit.

Most of the ones we've got at the moment were locked in at about 5.5%.

Now we're locking in two-year, three-year, and up to five years at 5.35%.

Now, the interest rates, the banks are all telling us now, and I'm seeing it from the rates, that next year, it looks like the rates are going to drop.

No one can tell you for sure, but the majority of people are very happy if they know that the money that they need for the next two to three years is definitely going to return 5.2% or 5.3%.

That just gives them the confidence.

That's a decent rate.

And last month we were getting 5.7%.

And now it's 5.4% is the maximum.

So we know that it's reducing.

So we are now just locking in those two, three and four year.

Yeah, but this is the reason if they think interest rates are coming down, that's because they think inflation is going to be back under control next year.

But if you've got a two or three or four-year turnover, you've still locked in that 5.3%.

And you'll get the benefit as inflation drops.

Nobody can tell for sure, but

Yeah, and the other benefit of that is most of your turn deposits will be below the 250,000 limit.

So you get the full government guarantee on each one of them.

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