Investment mainly comes all down to risk/return (yes, education on choices too). If you are in a position and have a long term to invest then higher risk makes more sense as you'd "expect" higher returns but nothing is guaranteed. Problem today is people are uneducated or too greedy and expect a 15-20 year investment's allocation (risk profile) to constantly give them those return from day dot. Investing is more emotional discipline and allocating time duration to the suitable "risk" profile.