Interest rates are set to fall in 2025 - and we may have to say goodbye to the days of 5 per cent returns for zero risk. Of course, there is no lack of opportunists standing in the wings with ideas for your money: The problem is that most of these 'opportunities' will come with a lot more risk than a bank deposit. What to do?

Liam Shorte of the Sonas Wealth group joins wealth editor James Kirby in this episode.

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In today's show, we cover

• Preparing for lower fixed-interest returns 
• The risk of alternatives...especially private credit funds
• Taking profits on Commonwealth Bank stock
• How much time should you spend on your investments