just on term deposits ill give you an example ill use $100.000 as the muppets talk BIG $100.000 in CBA at 5% p/a -- $105.000 end of 12 months no risk no issues $100.000 invested in CXO for the last 12 months negative 92% end of 12 months $8.000 lots of risk and a loss of $92.000 hope you can understand that little sum lol
(20min delay)