Saving Money
Yield/Income from Assets
Equities - Dividends from equities have consistently grown historically (25% over the past 5 years) and therefore provided real protection of value against inflation.
Corporate Bonds - the interest paid - but this is the only return and there can be depreciation of the capital value. The are a Debt Instrument where governments (Gilts) and companies borrow money over a fixed term with interest payments and the promise to return the debt at the end of the term. The yield varies from 4.5% to 8% depending on the quality of the borrower.
Commercial Property Funds - they have a respectable yield of about 7% so taking 5% income withdrawal there is some potential for capital growth over the longer term.
Why Invest in Cash - There is no risk to the value of money on deposit but taking an income will depend on the interest rate and if rates fall so will the income.