Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 21 August 2026 with 2CC’s Leon Delaney. The topic is: Fixed interest assets aren’t just term deposits. Alot of the time we focus on shares and many people don’t dig deep into fixed interest assets and therefore dismiss them, thinking they’re all safe and without risk. That’s not the case.
Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.
Key topics covered include:
- When many people hear the term ‘fixed interest asset’ they immediately think term deposit.
- A fixed interest asset however can fall; it surprises many people to learn that there is risk.
- The time frame of a term deposit locks you out of future rate rises.
- In the current market, we want short durations – time periods – so we make the most of likely future interest rate rises.
- When interest rates get to the top of the cycle, we should think about using longer durations for our fixed interest investments.
- ‘Safe’ is a relative term – even in regard to bonds.
- What are interest rates likely to do going forward?
- Risk and time frame matters – even with fixed interest investments.
- Government bonds and corporate bonds also examples of fixed interest investments.
- Consider where the investment is located, how often it’s re-valued and how often you get paid too.
- Many people think that have risk tolerance, until things go bad. So know what you’re investing in.
- Luke shares his key points to consider before you invest in fixed interest.
Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’
What role does fixed interest play in your investments, superannuation, retirement planning and income generation?
Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including insurance, investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.
Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.
We look forward to your company again. Luke’s book Smart Money Strategy is out now. 
