It s about being in control of your own choices. It s about knowing who you are and how you need to navigate and drive these investment vehicles. It s probably better to talk in terms of risk. The market saying high returns equals high risk does have some truth. In this way they can keep them connected to the end of their expert-status umbilical chords.
People fear failure so they do nothing and fail anyway.
By doing nothing they actually achieve what it is that they fear the most. That s a very disempowering process. If you fall down, we ll pick you up, dust you off and keep coaching you until you can do things effectively. Risk for me has nothing to do with return. Risk has everything to do with the probabilities of making incorrect financial choices.