1'st Rule. Wealth is created from your job. You are more likely to make money from your career or business than from your investments. Few make a large fortune from their portfolio. Your future retirement can be made secure with your investments. But don't expect to go from rags to riches. Taking risks from complicated schemes in the hope of quick money, is not ideal. Your financial plan, should be, aimed at capital preservation and preserving loss (from government or mismanagement).