A typical sales pitch by a insurance sales person. "Sir, do you know what is the interest rate in your bank?" "0.25%" "What if there is a saving plan, that can give you 4% a year, provides free insurance and even help you pay for your savings when you are sick! Will you be interested?" "Wow! Sounds like a good deal! Where do I sign!?!" Let us assume that an investment analyst picks up the same product and he has to present to his boss on the product. How will he present it? Analyst, "Sir, This product has a guaranteed loss of 10%-100% of capital over a 20 out of 21 years period and has the potential to make 4% a year." Boss, "What kind of lousy product is this? If I am risking 100%, I will want at least 100% return on my investment! Why are you wasting my time!" ......