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  Not at all PaulB. There is no such thing as no risk investment, wherever you put money. Look at the near collapse of once strong institutions, look at the way deposit based savings are being devalued by inflation right now, look at the collapse in Corporate Bonds in October 2008 (and subsequent recovery...). The Lehmans collapse meant people in so called 'guaranteed' investments lost their money.
  
  In fact over the recession/credit crunch period lower risk investments have proved to be the worse hit while higher risk investments have fared much better.
  
  What people need is a proper investment strategy with investments being carefully selected. One thing I have realised over the years is that one person's 'wild speculative' investment is someone elses medium risk investment.... Horses for courses, picking the right mix of horses and the right mix of courses gets the best results long term.
  
  A 'high risk, so to speak, investment made with good advice, backed by the right ongoing advice and reviews, can be a lot 'safer' than a less carefully selected 'medium risk' investment lacking the right ongoing advice.

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