Addressing an Investor's Conundrum

The days when investors could earn a 5-6% yield on a term deposit are long gone and they seem unlikely to return any time soon as central banks seem determined to maintain their ultra-low interest rate policies for some time. At the same time speculative assets like cryptocurrencies and ‘meme’ stocks are booming. Some investors are hoarding cash, wanting to earn adequate income from their savings yet hesitant to risk hard-earned capital in volatile investments. On the other hand, many sharemarket investors have concerns about company valuations at this stage in the cycle.