Ep 363: What are the best, safe, income-style investment options?

Read full blog here.In this insightful episode, Stuart Wemyss explores the safest, most reliable income-generating investment options for risk-averse investors or those with short investment horizons. He begins by highlighting why fixed income investments deserve more attention, especially for portfolio stability, retirees, or anyone with a low risk tolerance.Stuart presents a clear hierarchy of choices, starting with mortgage offset accounts as the most efficient, risk-free return option, often outperforming taxable investments on a net basis. He then explores term deposits, which are secure but less appealing given flat interest rate curves.Next, he dives into fixed income ETFs, breaking them into categories: government bonds (like VGB), corporate bonds (such as CRED and HCRD), composite ETFs, and hybrid securities (like BHYB), which blend the features of shares and bonds for higher income. These options provide dependable yields (4–6.7% p.a.) with varying degrees of risk and liquidity.Stuart also touches on alternative investments like unlisted mortgage and private credit funds but warns they often carry more risk, lack transparency, and may offer marginally higher returns not worth the trade-off.If you're seeking steady, low-risk income from your investments, this episode is packed with practical, evidence-based strategies to help you make informed decisions.My new book is available for pre-order now: Pre-ordering the book will help me get it into bookstores. So please do me a favour - please consider pre-ordering now - links and pre-order bonus are available here: https://prosolution.com.au/book-preorder-bonus Do you have a question for the podcast? Email us at [email protected]. If you're interested in working with our team and me, discover how we can work together here: https://prosolution.com.au/family-office-servicesIf this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: https://prosolution.com.au/stay-connected IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.