Individual Investor - Managing retirement finances should be fun not risky, that’s why I only do double digit high rate of returns for my retirement funds with low or no risk. Oh yes, it does exist, and the pond is really a hidden ocean. Looking to retire in a couple of years ecstatic that I found an outlet that creates an income. Still investing in Long Term Stocks, ETF, Commodoties, Energy Stocks, and Forex all for thrills and fun only!!!!