Yes, I remember when you could buy a short term CD with practically zero principal risk and earn 10 t0 12 percent. But those days are gone.
You don't have to have a financial advisor or a mixed basket of equities in order to participate in the stock market gains. There are many, many, many ETF's which you can purchase with practically zero sales charge and which contain a large basket of stocks in almost any sector of business you care to choose. Some even pay dividends way higher than interest rates of current CD's or government bonds. There is risk, of course, in the case of a market collapse. But that is the price you pay for higher returns. This is why generally the owner of a corporation has a higher salary that the employees. If the company fails, the owner looses the money he invested. While the employees only lose their job.
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