Cash & Bonds

Two lower risk asset classes which deliver a fixed rate of interest as your return.


Cash investments are as easy as it gets. Put your money in a bank account or term deposit and get paid interest according to the interest rate being offered. Cash will give you low returns, but is low risk, making it ideal for saving money for the short-term or for storing your emergency fund.


When you buy bonds (not the underwear brand!) you lend money to a government or company (corporations), usually for terms of five years or more. In return, you’ll get paid a fixed rate of interest. With corporate bonds the interest rates tend to be higher than a term deposit at a bank, while government bonds have lower rates but come with lower risk.

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