If you want to prosper in a time of historic low interest rates, don’t tie up your funds in a bank account, writes Money magazine founding.
![Many Happier Returns](https://magarticles.magzter.com/articles/8162/242005/59c8ee3b46a61/Many-happier-returns.jpg)
Record low interest rates are great if you’re paying off a mortgage or trying to reduce debt, but for those who need to live off investment income, including retirees, it’s been very hard.
Leave your money in the safety of a bank account – where deposits up to $250,000 are guaranteed by the federal government – and your spending power goes backwards. But the alternative, putting funds into shares and other types of investments, incurs more risk.
Having different types of assets, including cash, is the key. Diversifying your sources of income will help to buffer the risks involved.
Retirees not wanting to erode their capital too quickly should consider having some funds in the share market, particularly dividend-rich Australian stocks. It’s important to remember share investing is not short term and you need to use money that you can lock away for at least three to five years.
Esta historia es de la edición October 2017 de The Australian Women's Weekly.
Comience su prueba gratuita de Magzter GOLD de 7 días para acceder a miles de historias premium seleccionadas y a más de 9,000 revistas y periódicos.
Ya eres suscriptor ? Conectar
Esta historia es de la edición October 2017 de The Australian Women's Weekly.
Comience su prueba gratuita de Magzter GOLD de 7 días para acceder a miles de historias premium seleccionadas y a más de 9,000 revistas y periódicos.
Ya eres suscriptor? Conectar
![Hitting a nerve](https://reseuro.magzter.com/100x125/articles/8162/1729417/HKnX3cdSq1719484550922/HITTING-A-NERVE.jpg)
Hitting a nerve
Regulating the vagus nerve with its links to depression, anxiety, arthritis and diabetes - could aid physical and mental wellbeing.
![Take me to the river](https://reseuro.magzter.com/100x125/articles/8162/1729417/_Wf7qK39l1719483930204/TAKE-ME-TO-THE-RIVER.jpg)
Take me to the river
With a slew of new schedules and excursions to explore, the latest river cruises promise to give you experiences and sights you won’t see on the ocean.
![The last act](https://reseuro.magzter.com/100x125/articles/8162/1729417/fDs1zUGe11719483664245/THE-LAST-ACT.jpg)
The last act
When family patriarch Tom Edwards passes away, his children must come together to build his coffin in four days, otherwise they will lose their inheritance. Can they put their sibling rivalry aside?
![MEET RUSSIA'S BRAVEST WOMEN](https://reseuro.magzter.com/100x125/articles/8162/1729417/TzxGDH2tD1719483223151/MEET-RUSSIAS-BRAVEST-WOMEN.jpg)
MEET RUSSIA'S BRAVEST WOMEN
When Alexei Navalny died in a brutal Arctic prison, Vladimir Putin thought he had triumphed over his most formidable opponent. Until three courageous women - Alexei's mother, wife and daughter - took up his fight for freedom.
![The wines and lines mums](https://reseuro.magzter.com/100x125/articles/8162/1729417/Fu0bYQbcH1719482858624/THE-WINES-AND-LINES-MUMS.jpg)
The wines and lines mums
Once only associated with glamorous A-listers, cocaine is now prevalent with the soccer-mum set - as likely to be imbibed at a school fundraiser as a nightclub. The Weekly looks inside this illegal, addictive, rising trend.
![Jenny Liddle-Bob.Lucy McDonald.Sasha Green - Why don't you know their names?](https://reseuro.magzter.com/100x125/articles/8162/1729417/fjWmD9zf_1719482314833/JENNY-LIDDLEBOBLUCY-MCDONALDSASHA-GREEN-WHY-DONT-YOU-KNOW-THEIR-NAMES.jpg)
Jenny Liddle-Bob.Lucy McDonald.Sasha Green - Why don't you know their names?
Indigenous women are being murdered at frightening rates, their deaths often left uninvestigated and widely unreported. Here The Weekly meets families who are battling grief and desperate for solutions.
![Growing happiness](https://reseuro.magzter.com/100x125/articles/8162/1729417/GahR8raxi1719481878771/GROWING-HAPPINESS.jpg)
Growing happiness
Through drought flood and heartbreak, Jenny Jennr's sunflowers bloom with hope, sunshine and joy
!["Thank God we make each other laugh"](https://reseuro.magzter.com/100x125/articles/8162/1729417/5OI3zb48h1719481550877/THANK-GOD-WE-MAKE-EACH-OTHER-LAUGH.jpg)
"Thank God we make each other laugh"
A shared sense of humour has seen Aussie comedy couple Harriet Dyer and Patrick Brammall conquer the world. But what does life look like when the cameras go down:
![Winter baking with apples and pears](https://reseuro.magzter.com/100x125/articles/8162/1729417/Lmp2Bf8xz1719480242977/WINTER-BAKING-WITH-APPLES-AND-PEARS.jpg)
Winter baking with apples and pears
Celebrate the season of Australian apples and pears with these sweet bakes that will keep the midwinter blues away.
![Budget dinner winners](https://reseuro.magzter.com/100x125/articles/8162/1729417/1D5-4xCYS1719478954174/BUDGET-DINNER-WINNERS.jpg)
Budget dinner winners
Looking for some thrifty inspiration for weeknight dinners? Try our tasty line-up of low-cost recipes that are bound to please everyone at the table.