But the way it works per individual is that you have a 40% chance of "winning" and a 60% chance of losing your investment completely. VTI carries the risk that

But the way it works per individual is that you have a 40% chance of "winning" and a 60% chance of losing your investment completely. VTI carries the risk that your investment could lose value in the short term, but over a longer time period, I'll take VTI over stock options any day.