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Homes used to cost a lot less, but in previous decades home loan interest rates were much higher. Record low interest rates are great for homeowners – but not so good for anyone hoping to earn interest on money in the bank. Over recent years, anyone with money in a savings account or term deposit has seen their returns drop to virtually nothing. Term deposits are now paying up to 1 per cent a year for terms of five years, compared to a 10-year average of 4.39 per cent. Virtually all the return would be swallowed by inflation. Short-term deposits of 90 days are paying just 0.35 per cent compared to a 10-year average of 2.9 per cent.

Roger beaumontTim fairbrotherChris tennent brownDaniel mussettFinancial markets authoritySociety of actuariesZealand banker associationRetirement income interest groupNew zealand banker associationDate ruleExpectancy ruleரோஜர் பியூமான்ட்கிறிஸ் குத்தகைதாரர் பழுப்புநிதி சந்தைகள் அதிகாரம்சமூகம் ஆஃப் செயல்பாடுகள்ஜீலாந்து வங்கியாளர் சங்கம்