Description
Date
Download
Description
Navigating Interest Rates in All Yield Environments
- How the RBA sets the cash rate, its inflation target and the Board’s meeting cycle
- Understanding the yield curve and what its three shapes (normal, flat and inverted) signal about the economy
- The key short end benchmarks: BBSW, OIS and what the spread between them reflects
- How to read market expectations using the ASX 30 Day Interbank Cash Rate Futures Implied Yield Curve
- Other policy tools to watch: fiscal policy, quantitative easing, serviceability buffers and the new debt to income limits
- The key questions to ask in any rate environment
Date
13th July, 2026
Description
An Introduction to Investing in Bonds
- Understanding the global bond market, the world’s largest financial market, projected to exceed USD167 trillion by 2031
- Why invest in bonds: known maturities, predictable income and portfolio diversification
- How bonds are issued and traded in the primary and secondary markets
- The three types of bonds: fixed rate, floating rate notes and inflation linked
- Understanding capital structure, from covered bonds to hybrids, and assessing risk versus return
- Credit ratings explained, and how to buy, sell and hold bonds in Australia
Date
9th July, 2026
Description
The Power of Laddering
- What laddering is and how staggered maturities work in practice
- The three key advantages: regular liquidity, yield maximisation and reduced market timing risk
- Why limiting deposits to 90 days concentrates rate risk, and how laddering solves it
- Diversifying across terms and across the bank universe to lift returns
- Taking advantage of special rates when banks face funding requirements
- A worked example: a $10 million ladder across 3, 6, 9 and 12 month tranches
Date
9th July, 2026
Description
Benefits of Diversification in Investment Management
- How APRA regulates every Australian ADI under the same prudential framework, from the majors to mutuals and credit unions
- Depositor protections under the Banking Act and the Financial Claims Scheme, including how the $250,000 FCS cap works across banking licences
- Credit ratings and what an unrated ADI actually means
- Why smaller institutions pay a premium over the majors, and how widening your counterparty universe creates pricing tension
- Ethical, green and community banking options that keep funds under APRA regulation
- Regulatory changes benefiting smaller ADIs, including the AT1 phase-out from January 2027
Date
9th July, 2026
