Some professional money managers use the impossible to lose strategy to attract new customers: 96% or so of the money is placed in Bonds or CDs (let's hope not mortgage related), so that by year end it becomes 100%. The other 4% is invested in high yield, high leverage (and relatively high risk) strategies. Even if they COMPLETELY blowup all that money (the 4%), there are no net losses. Of course this is a very conservative strategy, but its the first step into attracting customers who were dubious at first: Money manager: "Our futures portion got an incredible 35% return, ranking among the top in this industry and blah blah blah". Customer: "Really? then I can risk 20% the next year!".