el3ctro - sorry, why would people 'hold' their monies (perhaps even under their beds - lol), if there won't be any return from there? Great example is the ever-increasing share price of CBA as the SMFS accounts chasing the available yield.
A-REIT - exactly. They'll be (together with brick and mortar) should be popular.
IMO
------Sorry for being off-topic!------
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