The higher the profits, the higher the risks. There are no low-risk, high-yield investments in nature. Risk can come in many forms. For most investors, risk means the potential of losing some or all of their invested capital. The loss of funds may be temporary or may last a long time, up to irretrievable losses. Such risk is called market risk. Academic research has proven that the best approximation for numerical expression of market risk is volatility (a measure of market volatility). These studies provide a reasonably accurate estimate of the framework within which market risk and returns can vary for each asset class or classes combination. In addition, it has already been proven in a mathematical language that high returns always mean high risk. Nevertheless, marketing analysts of management companies constantly try to ignore this fact, coming up with "secret" strategies and "golden" portfolios for their clients.