The concepts discussed in this article related to risk are very important and any investor should know the risk they are taking in any investment that they are involved in. Looking at an investment that yields 4% vs. 15% usually come with very different levels of risk and if one purely looks at return the 15% investment would win hands down but that investment most likely comes with a significant amount of risk that needs to be understood and weighed before making a decision. Great returns do not usually come with out increased risk!