RBA Cash Rate Outlook: July Cut Expected – What It Means for Investors
The Reserve Bank of Australia (RBA) is widely expected to lower the official cash rate in July, responding to softer economic data and global monetary easing. A cut from 3.85% to 3.60% appears likely, continuing the downward trajectory we’ve seen over recent months.
This shift is already reflected in traditional fixed-income returns — with 12-month term deposits now paying as little as 3.75% (interest paid at maturity).
What You Consider Now?
With yields on cash and term deposits falling, we believe now is the time to re-evaluate your strategy:
- Consider Longer-Term Investment Horizons Investing over longer terms can help lock in stronger yields while smoothing out short-term market fluctuations.
- Explore Diversified Asset Classes Asset-backed investments, including commercial property, offer the potential for both reliable income and capital growth, especially in a low-rate environment.
- Look for Income Security and Strong Net Returns Our investment opportunities are secured by local Australian property, giving our members peace of mind while targeting net returns starting from 5.90% p.a.
How Your Investment is Managed and Protected with ASL
At Australian Securities Limited (ASL), every investment is backed by carefully selected Australian property — residential, commercial, industrial or development assets. We apply rigorous due diligence before approving any loan, including independent valuations, legal checks, and thorough risk assessments. Where possible, we secure a first mortgage over the asset, giving us — and by extension, our investors — priority rights in the event of any default. Our investment team actively monitors each project, ensuring your capital is managed with discipline and transparency at every stage.
Our approach prioritises capital preservation and consistent income, with investors currently receiving net returns from 5.90% p.a., paid monthly. We maintain conservative loan-to-value ratios and a strict lending framework, giving investors’ confidence their funds are both well-managed and well-protected. Whether you invest through an SMSF, trust, or individually, your wealth is secured by real assets and managed with the prudence and care ASL is known for.
Commercial Property: A Strategic Investment Choice
In a declining interest rate environment, commercial property presents a compelling opportunity for investors seeking stable income and potential capital growth.
Here’s why:
- Attractive Yields: Commercial properties often offer higher rental yields compared to other asset classes, providing a steady income stream.
- Capital Appreciation: With lower borrowing costs, property values may increase, enhancing the potential for capital gains.
- Diversification: Adding commercial property to your investment portfolio can provide diversification, reducing overall risk.
At Australian Securities, we offer investment options secured by property, including commercial real estate, providing you with opportunities to invest in this asset class
