Wish I could downvote this. How many people even understand how compound interest on their bank account works? A conservative way of investing offered by mom &

Wish I could downvote this. How many people even understand how compound interest on their bank account works? A conservative way of investing offered by mom & pop banks where I come from is through funds with capital guarantees (get the return of this portfolio, but at least 95% of what you put in). These are usually created and priced by people with math-heavy PhDs, that's how hard they are to understand. It's safe to say that >99% of investors don't understand them (especially what the exact price for the guarantee is), but they're legitimate regulated products.