It&#x27;s a mix, but in general you can look at the risk profile of these assets as a range between &quot;storage&quot; and &quot;return.&quot; The left end is more (historically) stable asset classes with lower returns like government bonds and the latter with volatile and high tech startups.<p>Again though, it&#x27;s not &quot;money&quot; per se, ie. cash, that they are trying to generate - though in the cases of dividend yielding assets as part of a retirement portfolio that is true - but rather to put their money into an asset that beats inflation with variable levels of security and maintenance, aka Risk. I guess you could say that you always want a higher cash value over time but I think that is a vulgar interpretation of how a market works.