What is the best way to diversify your assets in an economy with rock-bottom interest rates, faltering bank security and Friday's termination of the government's full guarantee on savings accounts?

One could stick with the tried and trusted domestic savings account, but an increasing number of people are hunting for products that offer higher returns with relatively low risk compared to the pathetic interest earned on most deposits at the nation's struggling banks, experts say.

For instance, the 10-year Japanese government bonds exclusively issued for individual investors since 2003 have been quite popular, said Hideo Kumano, senior economist at Dai-ichi Life Research Institute Inc.