As OCR falls, are Managed Funds attractive alternatives to term deposits?
24/10/2025
With New Zealand’s Official Cash Rate (OCR) falling by 0.50% to 2.5%, and many economists predicting that it will continue to fall, term deposit holders may soon find their returns slipping further. Lower interest rates mean less income for savers, prompting many to ask whether their money could be working harder elsewhere.
One alternative worth considering is a managed fund, which offers the potential for stronger long-term growth and broader diversification than a traditional term deposit.
OCR利率下降，管理型基金可否成为定期存款的替代品？
23/10/2025
新西兰官方现金利率（OCR）最近下调50个基点至2.5%。经济学家预测它将继续下降至2.25%。有没有其他替代投资产品用来转移定期存款呢？管理型基金是一个值得考虑的替代方案。