Bank deposits are designed for capital security and short-term access, but they typically offer lower returns that generally do not keep pace with inflation over time.

Mates Invest is designed to provide higher, income-generating returns by investing in real commercial property assets. Rather than earning interest from a bank, investors receive income derived from rental cash flow secured by tenants occupying physical buildings.

While bank deposits are low risk, they are also limited in their ability to grow wealth. Our model aims to sit in the space between term deposit rates and traditional property investment returns, offering a more attractive income stream without the added risk of leverage.

Importantly, Mates Invest is backed by real assets and operates on a debt-free basis, which supports stability and reduces exposure to interest rate volatility. This allows us to focus on consistent income rather than being impacted by changes in borrowing costs.

There is a trade-off. Bank deposits offer immediate access to funds and government-backed protections, whereas our investment requires a defined commitment period. In return, investors have the opportunity to achieve stronger, more sustainable returns over the medium to long term.

In simple terms, bank deposits prioritise security and liquidity, while Mates Invest is designed to deliver higher income and long-term value through real, debt-free property investment.