 Here's another question. Why should you invest your money in bonds, stocks, or mutual funds? Easy answer, right? People that risk their money do so because they want big returns. The really sad thing about if-come planning or investing in products where you can lose your money is there is so much risk with very little returns. Here's an example from the past that might interest you. In a study by Dunbar, Inc., the nation's leading financial services market research firm,