I would need a potential POT around 75% for the punt.

Term Dep is 5%+

The stock market, depending on your risk level is as dangerous as the punt. All the attractive yield stocks are now overbought. I'm in to one speccy, and have been for quite a while which is yielding 100% patience ..... CTP. BHP has always been good and I'd hope for 10% over the next year at these levels.

Ya need big money to be able to hold real estate as well as other investments.

If I had to put all my eggs into one basket I'd go for a couple of speccy's owning elephant country on the stock market and have a time frame of 5 to 10 years.