Too amateurish - investment is like any other things, there is upside and there is downside. You want to risk more, then you may gain more (or lose more).

If you want reduce risk, you can buy more treasury notes and less stocks. Even stocks have risky ones and less risky ones. For example, Microsoft is far more stable than, for example, Plug-power. On the other hand, Plug-power increased 30% the other day, while Microsoft MAY not have changed much in the past few years.

投资需谨慎而且要有冒险的准备才行。我放在理财账户上的钱大概两年，涨涨落落的。趁着刚刚打平手赶紧卖了。估计还小亏点。听说有人赚的不错。看来要凭运气了。

你自己不控制呀，怎么别人说怎么投就怎么投？你不会的也没时间的话，最好别投资了，很容易输掉。