Latest news with #CapitalGuard
Reuters
5 days ago
- Business
- Reuters
Capital Guard Shares Five Key Investment Principles Amid Falling Interest Rates in Australia
SYDNEY, Australia, August 13, 2025 (EZ Newswire) -- As interest rates decline, Australians nearing or in retirement are reconsidering their investment strategies. Many are shifting from growth-focused portfolios toward options that offer income, stability, and reduced exposure to market swings. In response, Capital Guard, opens new tab, an ASIC-authorised financial services provider, has released five principles to guide Australians in building resilient, income-focused, and long-term fixed income investment portfolios. Fixed-income investments such as banking bonds, corporate bonds, and investment-grade bonds are drawing renewed attention. These options provide defined returns and can help investors plan with greater certainty. In periods of changing rates, structured income strategies often become more relevant to those seeking lower volatility and reliable cash flow. 'We often hear, 'Where can I get 5.5% interest without locking away my savings?' or 'How do bond yields compare to term deposit rates?',' said a spokesperson for the Capital Guard. 'Most investors aren't chasing high returns. They want security, access, and predictability. These principles provide a framework to meet those goals.' Five Key Principles for Income-Focused Investors Income investing is not about chasing the highest yield. It involves measured decisions aligned with long term investing goals, income needs, and access requirements. These principles reflect what experienced investors consider when building structured portfolios in a lower-rate environment. 1. Prioritise protecting your principal Preserving capital forms the foundation of a conservative investment strategy. Low-volatility products like secure fixed income bonds, investment bonds, and term deposits can protect principal while generating income. Investors often overlook that predictability in returns can have a greater long-term impact than short-term gains, particularly in retirement when recovery time is limited. Portfolios can be structured to provide both income and access to funds at different intervals. 2. Focus on long-term income, not short-term rates Temporary fluctuations in interest rates can lead to reactive decisions. For those planning retirement income over 10 to 20 years, stability and consistency often matter more than opportunistic rates. Fixed-income strategies such as laddered term deposits or staggered bonds help manage reinvestment risk and provide regular, forecastable income. This approach allows retirees to avoid being forced to reinvest at lower rates if the market shifts. 3. Look past the headline rate A product offering 6% may appear attractive at first glance, but that figure rarely tells the whole story. Terms such as minimum lock-in periods, penalties for early withdrawal, compounding frequency, and the credit quality of the issuer all affect the actual value of a product. Evaluating these factors is essential when comparing fixed-term deposit rates and bond yields. Aligning choices with liquidity needs, risk tolerance, and cash flow planning will often yield better outcomes than pursuing yield alone. 4. Diversify across providers and terms Concentration risk is often underestimated. Relying too heavily on one bank, product type, or maturity date increases exposure to rate shifts or unforeseen changes. Diversifying across different banks, institutions, and maturity horizons can help mitigate this. For example, combining short-term deposits with medium-duration bonds provides flexibility, liquidity, and protection against falling rates. This layered approach also helps investors avoid reinvesting large amounts during unfavourable periods. 5. Consider bonds as a strategic alternative to term deposits Bond investments can offer stable income, capital protection, and greater flexibility than traditional deposits. In a rising rate environment, bonds may deliver higher yields and compare favourably against typical bank term deposit rates, especially for those seeking predictable returns. Capital Guard AU offers a range of Australian fixed-income solutions, including secure fixed-income bonds and tailored portfolios designed to help investors access the best Australian bond rates available. A Cautious Shift Toward Fixed Income Capital Guard has observed a growing preference among Australians for steady, income-generating assets over market-linked growth. This shift reflects both economic conditions and a demographic trend, as more individuals seek to convert accumulated savings into predictable income streams. The firm notes that interest in term deposits, investment in Australia, and other fixed-income investments has increased over the past 18 months. While interest rates keep declining, the opportunity to lock in secure returns is strong. But investors need to weigh access, taxation, product structure, and timing. A diversified, well-planned fixed-income portfolio can help maintain lifestyle goals without taking on unnecessary risk. To explore how to invest in fixed-income visit Capital Guard's website, opens new tab. About Capital Guard Capital Guard AU Pty Ltd is an ASIC-authorised financial services provider (AFSL 498434, ACN 168 216 742, ABN 48 168 216 742), headquartered at Level 36, 1 Macquarie Place, Sydney NSW 2000. The firm offers services in fixed-income and equity investments, retirement planning, and general financial advice. For more information, visit opens new tab and follow Capital Guard on Facebook, opens new tab, LinkedIn, opens new tab, Instagram, opens new tab, X, opens new tab, and YouTube, opens new tab. Legal Disclaimer Investors are encouraged to review our Financial Services Guide, opens new tab and Risk Disclosure Statement, opens new tab and to consult a licensed adviser before making investment decisions. Media Contact Capital Guard+61 2 8551 2719info@ ### SOURCE: Capital Guard Copyright 2025 EZ Newswire See release on EZ Newswire
Reuters
6 days ago
- Business
- Reuters
Capital Guard Shares Five Key Investment Principles Amid Rising Interest Rates in Australia
SYDNEY, Australia, August 13, 2025 (EZ Newswire) -- As interest rates climb, Australians nearing or in retirement are reconsidering their investment strategies. Many are shifting from growth-focused portfolios toward options that offer income, stability, and reduced exposure to market swings. In response, Capital Guard, opens new tab, an ASIC-authorised financial services provider, has released five principles to guide Australians in building resilient, income-focused, and long-term fixed income investment portfolios. Fixed-income investments such as banking bonds, corporate bonds, and investment-grade bonds are drawing renewed attention. These options provide defined returns and can help investors plan with greater certainty. In periods of rising rates, structured income strategies often become more relevant to those seeking lower volatility and reliable cash flow. 'We often hear, 'Where can I get 5.5% interest without locking away my savings?' or 'How do bond yields compare to term deposit rates?',' said a spokesperson for the Capital Guard. 'Most investors aren't chasing high returns. They want security, access, and predictability. These principles provide a framework to meet those goals.' Five Key Principles for Income-Focused Investors Income investing is not about chasing the highest yield. It involves measured decisions aligned with long term investing goals, income needs, and access requirements. These principles reflect what experienced investors consider when building structured portfolios in a higher-rate environment. 1. Prioritise protecting your principal Preserving capital forms the foundation of a conservative investment strategy. Low-volatility products like secure fixed income bonds, investment bonds, and term deposits can protect principal while generating income. Investors often overlook that predictability in returns can have a greater long-term impact than short-term gains, particularly in retirement when recovery time is limited. Portfolios can be structured to provide both income and access to funds at different intervals. 2. Focus on long-term income, not short-term rates Temporary fluctuations in interest rates can lead to reactive decisions. For those planning retirement income over 10 to 20 years, stability and consistency often matter more than opportunistic rates. Fixed-income strategies such as laddered term deposits or staggered bonds help manage reinvestment risk and provide regular, forecastable income. This approach allows retirees to avoid being forced to reinvest at lower rates if the market shifts. 3. Look past the headline rate A product offering 6% may appear attractive at first glance, but that figure rarely tells the whole story. Terms such as minimum lock-in periods, penalties for early withdrawal, compounding frequency, and the credit quality of the issuer all affect the actual value of a product. Evaluating these factors is essential when comparing fixed-term deposit rates and bond yields. Aligning choices with liquidity needs, risk tolerance, and cash flow planning will often yield better outcomes than pursuing yield alone. 4. Diversify across providers and terms Concentration risk is often underestimated. Relying too heavily on one bank, product type, or maturity date increases exposure to rate shifts or unforeseen changes. Diversifying across different banks, institutions, and maturity horizons can help mitigate this. For example, combining short-term deposits with medium-duration bonds provides flexibility, liquidity, and protection against falling rates. This layered approach also helps investors avoid reinvesting large amounts during unfavourable periods. 5. Consider bonds as a strategic alternative to term deposits Bond investments can offer stable income, capital protection, and greater flexibility than traditional deposits. In a rising rate environment, bonds may deliver higher yields and compare favourably against typical bank term deposit rates, especially for those seeking predictable returns. Capital Guard AU offers a range of Australian fixed-income solutions, including secure fixed-income bonds and tailored portfolios designed to help investors access the best Australian bond rates available. A Cautious Shift Toward Fixed Income Capital Guard has observed a growing preference among Australians for steady, income-generating assets over market-linked growth. This shift reflects both economic conditions and a demographic trend, as more individuals seek to convert accumulated savings into predictable income streams. The firm notes that interest in term deposits, investment in Australia, and other fixed-income investments has increased over the past 18 months. While interest rates remain elevated, the opportunity to lock in secure returns is strong. But investors need to weigh access, taxation, product structure, and timing. A diversified, well-planned fixed-income portfolio can help maintain lifestyle goals without taking on unnecessary risk. To explore how to invest in fixed-income visit Capital Guard's website, opens new tab. About Capital Guard Capital Guard AU Pty Ltd is an ASIC-authorised financial services provider (AFSL 498434, ACN 168 216 742, ABN 48 168 216 742), headquartered at Level 36, 1 Macquarie Place, Sydney NSW 2000. The firm offers services in fixed-income and equity investments, retirement planning, and general financial advice. For more information, visit opens new tab and follow Capital Guard on Facebook, opens new tab, LinkedIn, opens new tab, Instagram, opens new tab, X, opens new tab, and YouTube, opens new tab. Legal Disclaimer Investors are encouraged to review our Financial Services Guide, opens new tab and Risk Disclosure Statement, opens new tab and to consult a licensed adviser before making investment decisions. Media Contact Capital Guard+61 2 8551 2719info@ ### SOURCE: Capital Guard Copyright 2025 EZ Newswire See release on EZ Newswire
Yahoo
25-06-2025
- Business
- Yahoo
Worldwide Banners Launches Australian Platform, Offering Direct Investment in Brand Advertising Campaigns as an Alternative Asset Class
SYDNEY, AU / / June 25, 2025 / Worldwide Banners has officially launched its investment platform in Australia, offering eligible investors the opportunity to directly participate in brand advertising campaigns as an alternative asset class. Operating as an Authorised Representative of Capital Guard, a licensed and regulated entity in Australia, Worldwide Banners provides a transparent and structured approach to investing outside traditional markets. While Australia's investment landscape offers a wide range of opportunities, access to the performance-linked returns of brand advertising campaigns has traditionally been limited. Worldwide Banners aims to fill this gap by offering a platform that allows investors to diversify beyond conventional assets such as shares and bonds. The platform is designed for individuals seeking to access niche sectors and benefit from clearly defined investment parameters. A spokesperson for Worldwide Banners said: "Our expansion into the Australian market responds to increasing demand for alternatives that align with modern investment goals. Our platform offers access to curated advertising campaigns, with full visibility into each strategy, timeline, and sector. This allows investors to make informed decisions within a regulated framework." Investor capital is allocated across a selection of advertising campaigns spanning industries such as technology, retail, lifestyle, and travel. Each campaign is presented with detailed information, allowing users to review opportunities based on their own investment criteria. Importantly, these investments carry risk and returns are not guaranteed. Meeting Demand for Alternative Investments The platform has launched at a time when Australian investors, particularly pre-retirees and sophisticated individuals, are actively exploring options beyond traditional asset classes. As financial awareness grows, so does the appetite for assets that present unique risk/return profiles. Worldwide Banners seeks to support this shift by offering tools and transparency that allow investors to evaluate opportunities independently. "Our role is to give Australians access to a professionally managed platform where they can explore brand advertising as an asset class. We provide comprehensive information on each campaign and ensure compliance with all local regulatory standards. No financial advice is given," the spokesperson added. About Worldwide BannersWorldwide Banners is an alternative investment platform that enables eligible investors to participate in curated brand advertising campaigns. As an Authorised Representative of Capital Guard, Worldwide Banners operates within Australia's financial services regulatory framework. The company focuses on transparency, compliance, and investor education, providing detailed disclosures on all investment offerings. For Media Enquiries:Website: Chloe Anderson, Press OfficerPhone: +61 2 9059 7000Email: media@ SOURCE: Worldwide Banners View the original press release on ACCESS Newswire Sign in to access your portfolio
