Would you entrust your retirement fund short-traders — lover of risky transactions? I think that most people answer this question would be negative. Of course, we would have preferred to risk aversion, rational thinking long-term fund manager than the stereotypical short-term speculator. Safe investments with low risk — this is what you need for most people who want to receive a pension in their old age. Many financial advisers advise their clients to avoid risky investment: «Do not look for high-risk investments, regardless of what the potential profits they promise to you. Investing should be dull affair — so believe most fund managers.