Answer me these questions three. Ere the other side you'll see....

This week has been an eye opener. Having become more and more delusioned with capitalism, I have actually discovered that we are all in deeper than we were before, and have ever wanted to be. Due to low interest rates a sum of money, if it is to produce a reasonable return, must be invested in a bond that has links to the stock market. All safe savings accounts which dont use speculation are such poor performers that they are only a short term solution. There is no safe option anymore. The stock market now has even more power over us, even when we have come to fear and loathe it.
  These bonds are only accessible via the payment of fees that will make your eyes water. Hence the " gate keepers " who advice you and guide you. They also get their fee, and you are the one offering your money !
  Of course you can get guaranteed  bonds where you get back what you invested ,but they have higher yearly fees. Its all a gamble. The bank is gambling that it will not have to honour such a pledges ,and to be honest when I asked if they  even could I wasn't impressed with the response !  Never have times been so dangerous. No one knows the future.