Investing in shares requires ten years for a good return

Aussies with capital to invest may be considering purchasing shares, but they have been warned that they could be likely to have to wait for ten years to see results.

For those who want to invest their cash over a shorter period of time, a term deposit may prove a more attractive option, as they will not have to tie up their cash for such a long period of time.

In a piece for News Limited, financial news writer Anthony Keane observed that Aussies can get "impressive results" if they are willing to wait for ten years or more.

However, he noted that in the past 12 months, shares have dipped by 12 per cent and over the last five years stocks have declined by almost 40 per cent.

The uncertainty in the country's stock market may make savings accounts and term deposits more attractive to Aussies hoping to reduce the risk they are exposed to.

This comes after the Australian Bankers' Association issued a list of proposals to the government suggesting that the tax system should be improved to encourage more people to use savings accounts.

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