Most of the current problems exist in exotic parts of the bond market; average retail investors don't have much exposure to the problems there, but only less - experienced institutional investors. (alephblog.com)
In general, average retail investors reach for yield at the wrong time, and Wall Street is more than happy to facilitate that through structured notes and other high yielding investments where the risk is greater than the excess yield. (alephblog.com)
4) Average retail investors don't understand regulated investments well enough to invest in them. (alephblog.com)