[jammies]

I don't get how "accepting more risk" is guaranteed to make you more money than going low-risk. That sounds like 1 of 2 things:

1. It's *not* guaranteed to make you any money, never mind a minimum 7%. Hence "risk".
2. You're not actually risking anything.

I know which one I think is the likely answer. Especially as there are people out there that lose money on the stock market. I personally know a few who figured they were the smartest guys in the room (not to be confused with the Most Interesting Man in the World) and loudly proclaimed as much until their portfolio cratered and they lost far more than they ever gained, including a former boss of mine whose mid-sized company went bankrupt because he propped up his personal losses with company money, and then lost that too.

Unless you came back to 2017 in your DeLorean, there are no sure things.