In January last year, I deposited a good amount of monies in a one-year fixed deposit of a bank offering interest rate of close to 2%. That was at a time when banks were dangling carrots of higher interest rates to retail savers. A year now, from what I have been reading, the fixed-term interests have not been as appealing as those a year ago. Overall, though the interest earned from my fixed deposit a year ago is very very humble, I am satisfied as it is an investment without the risks associated with equities. It is a diversification strategies of putting one’s monies in different investment vehicles. It is a strategy of a low risk, low return on one’s savings.\ When even traditionally high-return and low-risk investment vehicles like Reits may have capital returns go south for some investors, when we are now in a more dynamic macro-economy, investors ......