No one has ever or will ever make a fortune out off leaving money in the bank
BUT it can be extremely prudent at times to leave money in cash for a period say 6 to 12 months until other investment areas settle
Assessing the 3 main asset classes as they stand now
Cash - government guarantee (for what it is worth) low return but as close as you are ever going to get to no risk
Shares - 50% loss in the overall market, though it will remain volatile for some time and there will be the corporate failure here and there, entering the maket now is certainly entering at or near it's low with some very attractive yeilds, assuming companies don't start to cut dividends to severely. The share market is also traditionally a leading indicator it is the first to fall entering downturns and the first to recover.
Property - Despite recent falls it is still historically producing low yields, low levels of affordability and in many cases highly priced based on historical growth rates. Real estate also tends to be a be a lagging indicator, prices do not tend suffer until the effects of an economic down turn beging to bite and prices do not recover until the economy has established it self into a new recovery growth phase.
So where to invest
Cash if you are risk adverse and want to sit on the side lines for the next few months and see how things pab out
Shares if you are more risk tolerant, wise enough to spread your exposure and can handle the volatility over the coming months
Property - very few reasons to go anywhere near it at this stage
