Introducing Strata Guardian
It’s no secret that we are now faced with a world of low-interest rates, propelled by the coronavirus pandemic and its associated poor economic conditions. Even before the pandemic, cash and term deposit interest rates have been gradually declining, decreasing the long-term viability of term deposits as a useful investment option for those seeking a reasonable return without taking on too much risk. The more significant issue at hand now is not the risk of losing capital but the genuine risk of not having enough when the time comes to employ the funds for their intended purpose. This dilemma is the same for people saving for a home, retirement, or indeed for a group of lot holders looking to replace a significant building component. As central banks the world over have slashed interest rates to stimulate the economy, it also has the intended effect of making term deposits and cash at call interest rates now, not a viable investment. This has meant the conventional mainstays of the lo