• for short-term investors
• usually includes higher interest paying securities than bank accounts or term deposits
• lowest risk of all asset classes

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Investing for income

• for short to medium term investors (around 3 to 5 years)
• low to medium risk
• can provide a steady and reliable income stream and potential for capital growth
• usually offer a higher interest rate, or yield, than cash
• access Commonwealth Government, state governments, semi-government authorities and company debt securities from Australia or overseas

• for medium to long-term investors
  (5+ years)
• lower risk growth asset than shares
• returns include income and capital growth
• diversification benefits with access to properties in retail, office, industrial, tourism and infrastructure sectors
• you can invest in both Australian and international property security funds

• for long-term investors
  (7+ years)
• potential for higher returns with higher risk
• potential for income through payment of dividends and tax benefits in the form of dividend imputation
• access a diversified range of companies listed on the Australian Stock Exchange

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Realistic sharemarket expectations

• for long-term investors
  (7+ years)
• potential for higher returns with higher risk
• access industries and investment opportunities not available in Australia
• diversification benefits when investing in a range of countries, industries and companies

• available in a mix of investment profiles from conservative to more aggressive
• investment timeframe depends on type of fund chosen
• invests in more than one asset class
• diversified approach can lower risk
• professional fund manager decides the asset allocation (ie how much to invest in each asset class) of the fund according to the fund's investment strategy and market conditions

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