Term Deposits

Planning for cash flow is an important part of long-term SMSF management. Many trustees include term deposits and high-interest savings accounts as part of their strategy to support income, capital preservation, and reduced volatility.

Through SMSF Financial, SMSF trustees can access a wide range of cash and term deposit products from over 20 major financial institutions — all through one central platform.

You’ll maintain full control over your instructions, and no term deposit is placed without your authorisation.

How the process works:

One form. Multiple institutions.
With one application, you can access term deposits and cash accounts across more than 20 institutions — simplifying the setup process.

Maturity options
When a term deposit matures, our team will contact you with available options. You decide what happens next — and only act when you’re ready.

Wide access
Compare rates and options from across Australia’s major banks and roll into new terms based on your instructions.

Government-backed security
Deposits of up to $250,000 per authorised institution are covered under the Australian Government Guarantee Scheme.

Flexibility when needed
Funds are not locked away permanently — early access may be available if needed (subject to institution terms).

Want to explore how term deposits are used in SMSF cash management?