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Choosing investments to suit you

To get you started, you might want to consider consider questions like:

  • When do you want to reach your goals?
  • How long are you happy to have large portions of your money ‘locked away’ in investments?
  • Do you need to be able to convert your investments back to cash quickly?
  • Are you comfortable with the fact that investment returns can’t be guaranteed and you may lose money?
  • Do you want your investments to provide a regular income or do you want them to grow in value?

Your answers should help guide you to choose the right investments for you.

Browse our range of share and investment options

Property has traditionally been a popular investment in Australia and it is often the first option people consider when they think about investing.

However, there are many different types of investments and each has benefits and risks. You should think about how these align with your goals when choosing investments.

Most investors aim to build a portfolio over time that includes a few different types of investments. By spreading your money in this way, you reduce the risk of all your investments under-performing at the same time.

Investment type

Main benefits

Main risks

Cash – savings accounts, term deposits

  • Regular interest payments
  • Predictable returns
  • Very low-risk investment.
  • Inflation – if the cost of goods and services rises faster than interest rates, your money will be worth less in real terms
  • Opportunity cost – your money has a better chance of increasing in value in another type of investment.

Fixed interest – bonds

  • Regular interest payments – typically a higher rate than cash investments
  • Predictable returns
  • Can be bought or sold quickly if you need to access your money.
  • Depending on the type of bond, your investment may decrease in value and you may lose money – although this is much rarer with bonds than other investment types.


  • Strong growth potential
  • Possible income from dividends
  • Small minimum investment
  • Can be bought or sold quickly if you need to access your money.
  • Most risky type of investment, as prices can fall as well as rise dramatically and you may lose money
  • Best for long-term investors who don’t need to access their money for three to five years.


  • Growth potential
  • Possible rental income from an investment property.
  • Takes time to sell, so difficult to access your money quickly
  • Not suited to short-term investors
  • Values not guaranteed to rise and may fall, so you may lose money.
Woman on laptop choosing investments that best suit her

 Browse our range of share and investment options

 Commonwealth Financial Planner can help you develop tailored strategies to finance your future. Your initial, no-obligation consultation is complimentary.   

This article is intended to provide general information only and does not take into account your individual objectives, financial situation or needs. Past performance is not necessarily indicative of future performance. You should seek independent financial and tax advice before making any decision based on this information.

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