Hi Sophie, Sam from FIIG Securities in Melbourne. We deal in corporate bonds - I notice you downloaded some material on our website. I’ve emailed you some info on bonds and FIIG. Bonds are lower risk and less volatile than shares, but provide superior returns to term deposits. Returns on diversified bond portfolios (CBA, QBE, ANZ etc) are 5-9% pa in current market. Happy to chat at some stage if youd like. Regards, Sam