They can't quote high returns and claim low risk if it's not true, right? It may be wrong, but purveyors of investment products have been doing it for centuries. There will always be people who promise big profits and toss out truly unbelievable risk claims, and there is only one person you can count on to protect you: YOU! Plus, a listener asks: What does this portfolio need for better diversification? Learn more about your ad choices. Visit megaphone.fm/adchoices