Any investment is a compromise -where each investor must weigh the different levels of risk and return for any given investment.
All investments are a trade-off between risk and return.
An investment with a high return will have a corresponding high degree of risk. On the other hand, a safe investment with low risk will offer a lower return or profit. One investor may be willing to take more of a risk in exchange for the potentially large returns, while another is more comfortable with safer, less risky investments. There is no perfect investment for all people. The distressing truth is that only 1 out of 20 Americans is financially independent when they reach retirement.