They created a product called hybrid income / pref shares (which themselves are not new but the way they are marketed to retirees is).
You need a 3 things to help solve the problem:
1) Debt Forgiveness
2) Transfer of Wealth (investors to hholds, govt to Investors/Banks)
3) Austerity (banks cutting jobs)
All negatively reinforcing on eachother for a catalyst shitstorm in a royal commission teacup, and a tradewar / geopolitical uncertainty around trade and exports doesnt help either.
SELL IN MARCH dont wait till MAY and stay that way until November (not advice)