&gt; no safe return anywhere anymore<p>Just means your risk profile is too low. As detailed earlier, the central banks literally don&#x27;t want you to do the things you were considering doing. Their distortions of the market are not arbitrary.<p>They want you to make private equity investments (the ones that don&#x27;t come with hundreds of pages of disclosures), they want you to buy corporate bonds.<p>They want you to do things that actually put money back into the economy, and give a potentially higher return with a higher risk of loss.<p>The line between investing and gambling has always been a social construct. You hop into derivatives and even the &quot;positive vs negative expected value&quot; distinction falls apart.