DJIA is down again. 9971 and counting

[jaguar]

but even with funds you can do very well if you know where to take risks, it obviously depends how much money you're playing with but there are plenty of high risk, high return funds that'll beat the S&P if you're smart about it. The floors are often high but the rewards can be great.

I know most of the private banks here vet new customers with a 6-7 page 'compass', evaluating how they view money, how much they're putting on the table and what kind of risks they're willing to take, for example.

Would you prefer an investment with:
a: Average 5% return with a maxiumum possible loss of 2% and a maxiumum gain of 7%
b: Average 5% return with a max loss of 5% and a max gain of 10%
c: Avg 5% return with a max loss of 10% and max gain of 15%

You guys use something similar?