Stocks

Short term shitty government debt.

Jow Forums is that way. Leave.

If they don't make you money, then they've basically worked for free. If you can show that they lost money because they were in breach of the risk statement you gave them, you can sue them for that.

A financial advisor is there to work for you when you don't have time to manage your extra money. Treat it like your employee and always make sure you have all your bases covered. If you can't do this or can't afford it, then you can't afford one.

fair enough

>It's better than just wingin' it
true, but that's not saying much regardless. Having an autistically thorough trading strategy that you can follow emotionlessly is a minimum requirement, but there are a lot of things that are at least as important as the "stock picking" part. Like having proper risk/money/portfolio management, and a stable exit strategy.