Short-term deposits are offering great value right now, but don’t get too content. Within six months interest rates could be headed lower, and after the first cut they’re likely to keep falling. If that happens, investors will be facing much less attractive reinvestment rates and a rapidly declining income stream. By the second half of this year, money could be moving back toward other assets amidst falling deposit rates. Rather than waiting for the herd to catch on, savvy investors might want to think about adjusting their strategy sooner rather than later.