Cashed-up but nervous, retail investors wait out the storm THE bulk of Australian retail investors are still sitting on a mountain of cash awaiting investment developments because they don't like volatility and they're not sure what to do, according to a new study by research group CoreData. The survey of more than 1400 mid-market respondents found that the lower half of the group have a startling 37.5 per cent allocation to cash and term deposits, with more than half of that sitting in bank savings accounts.