Watch out! Rates set to fall further

Interest rates may drop further than anyone expects, some depositors might lock in rates while they can.

PORTFOLIO POINT: It’s a tough time for depositors as rates move down more notches and look to be heading lower, while borrowers should look at some of the fixed-rate deals on offer.

All the ingredients are now there for a further major fall in interest rates. For those with cash the falls so far have already been a painful experience but life is set to get worse.

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