To do better, one way is to invest for higher returns but at the same time we want to have some measure of stability. This is quite natural. As we age and take on more responsibilities, including getting married and having children, we might start looking at things differently. Quite suddenly, we might not feel so carefree. Of course, we want to provide our loved ones with a better life too. We fear that one wrong move on our part, we might jeopardise not only our future but the futures of those who are dependent on us. Again, it is quite natural to feel this way. For people who have fallen along the way, it could be really difficult to get back up to continue the journey. I know because it happened to me before too but such is life and we simply have to soldier on. We only lose when we ......