 You see, there are ways for you to invest, like some of the things that we talked about in the last segment, that gives you the upside ability of this investment, but without the downside risk that you would take in investing directly into, say, the S&P 500. For instance, you may be able to make as much as 10% or 12% when the market does really well, but not lose any money when the market does really poorly.