Here's the puzzle: Should you depend on shares or cash for income? Well, your risky return from the ASX is represented by an average dividend yield of just over 4 percent. Meanwhile, with a cash term deposit, you can still get a 5 percent rate  - government guaranteed - it just might be the deal of the decade, know it when you see it. 
In today's show, we cover: The last of the best of the term deposit deals? How to play thematic exchange-traded funds,  shared equity home loans and when investment bonds make sense. 
Liam Shorte of the Sonas Wealth group is Wealth Editor James Kirby's guest on this episode