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Plan for the Future, Effective Risk Management with Rabobank Farm Management Deposits

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Farm Management Deposits are an effective risk management tool for primary producers who wish to set aside pre-tax income from profitable years to help manage business during the cyclical downturns of the agricultural industry. Rabobank offers a range of variable, short-term fixed and long-term fixed rate options, depending on investment requirements.

Variable Rabobank Farm Management Deposits

Money market rates to earn you daily interest.

Interest calculated on the daily closing principal balance and paid quarterly in arrears.

All interest payments and withdrawals directly credited to a nominated bank account.

No bank transaction fees apply.

Short Term Rabobank Farm Management Deposits

Fixed interest rate for a fixed term of your choice, from 30 to 364 days.

Money market rates to earn you daily interest.

Interest paid on the maturity date set upfront, to suit your cashflow requirements.

No bank transaction fees apply.

Long Term Rabobank Farm Management Deposits

Fixed rate for a fixed term of your choice, of either one or two years.

Money market rates to earn you daily interest.

Interest paid quarterly, half yearly or yearly in arrears.

All interest payments directly credited to a nominated bank account.

No bank transaction fees apply.

Some features of the FMD scheme.

FMDs are available to primary producers with a taxable non-primary production income of no more than $50,000 in the year of deposit, for investments totalling no more than $300,000 per farmer. The total FMD deductions in any year cannot exceed your taxable primary production income for that year.

Companies, trusts and partnerships are not eligible to hold FMDs. However, they are available to certain beneficiaries of trusts and individual partners of a partnership.

Minimum withdrawals of $1,000 can be made. However, if the account is being closed, this minimum withdrawal amount does not apply.

Other conditions apply to the FMD Scheme - please refer to the application form at www.rabobank.com.au for further details.

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