Fwiw - just my opinion and not financial advice.Wait a little...

Fwiw - just my opinion and not financial advice.

Wait a little while and buy a financially distressed waterfront property. Use it as a primary residence and upgrade it as much as possible. When things improve it will make a nice capital gain and is the last tax free bastion in investment..
Obviously buy some physical Gold and silver for wealth preservation. Not exchange traded paper gold.
Resedential property because retail property is going to be risky for the foreseeable future.
Bonds are shit because they will not meet inflation.
Shares in food retailers like woolies and coles. Coca cola amatil will always be a good and safe bet.
Buy some land or property that can be developed later.
Try and keep cash in the bank to a minimum.

Risks are far too high to do anything but play it safe and conservative.