Old English freond friend, present participle of freogan to love, to favor, from Proto-Germanic *frijojanan to love (cf. Old Norse frÃ¦ndi, Old Frisian friund, Middle High German friunt, German Freund, Gothic frijonds friend, all alike from present participle forms).
Best Answer: Risk and more importantly return, are INVESTING terms, NOT insurance terms. Risk is the chance you take of losing your money. Return is the amount of money you GAIN. So they are opposites-the greater the risk, the greater the potential return. Think of it like going to the horse track.
But return isn't your main concern; safety is. The low return is what you accept for the higher level of security. As your time horizon expands beyond three years or so, you can begin to add some bonds and perhaps even some stocks to your portfolio in pursuit of higher gains. But be careful. Stocks can suffer some pretty devastating short-term setbacks.