A、Because the market has both up and down years. B、Because you can get bigger guaranteed returns. C、Because 30% returns can be a

Have you always wanted to invest, but didn’t know where to get started? Here are three basic guidelines to smart investing, for your future.
   Number one is to have clear goals. Decide how many years you will invest for, and what your needs will be in the future.
   Number two is to understand the range of possibilities. You’ll want a diversified portfolio: one with a mix of stocks, mutual funds, bonds, and cash. It’s a jungle out there. Each of these products has different risks associated with them and also different potential rewards. Understand them before you buy, so there won’t be any big surprises later.
   Finally, number three is to have realistic expectations. As our friend Leonardo da Vinci said in the year 1500: "He who wishes to be rich in a day will be hanged in a year."
   Over the past several years, New York stocks have averaged 30% annual returns, but don’t count on this Continuing. While it’s true that since the year 1900, stocks have averaged an 11% annual rem. It’s a roller-coaster ride with many minus years as well, so you have to stay in for the long term-you have to weather the storm-and not be too greedy.