Fixed Income 2026
Renan Filho · Founder & Tech Builder
Quick answer: Fixed income 2026: which pays more? With the RBA holding the cash rate at 3.35% and iron ore exports softening, Australian investors are chasing yield. Term deposits, ASX bonds, and super funds all offer different returns. Here’s the real breakdown for 2026.
Frequently asked questions
Which fixed income product pays the most in Australia in 2026?
Telstra’s ASX bond (TLSHA) yields 6.2%, the highest among the top 5, but carries medium risk.
Is a term deposit better than a bond in 2026?
If you think the RBA will cut rates, bonds win. If you want safety and no price risk, term deposits win.
How does super tax affect fixed income returns?
Super’s 15% tax rate means a 4.8% return is worth 4.08% after tax, much better than outside super at your marginal rate.
What is the safest fixed income product in Australia?
Term deposits up to A$250,000 are government-guaranteed. Westpac’s 12-month term deposit is the safest choice.
Should I put fixed income inside or outside super?
Inside super, for the 15% tax rate. Outside super only if you need liquidity or are under the tax-free threshold.
Sources and authority
This guide is part of the MoneyApp financial education ecosystem. For tax questions in Brazil, see Agente Tributário.
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MoneyApp · Financial education in Australia · Consult ASIC (Australian Securities and Investments Commission) for official guidance.