No losses, all gains, all FDIC/NCUA insured investments.
No worries, no fears, no sitting around watching a stupid TV tuned to the stock market channel all day long ... alas my life continues along quite well without the stock market and the hundreds of buys/sales a year that some have with it (must be a nightmare from hell with the IRS).
Hence, I don't need an accountant, I don't need a financial adviser, I don't have to worry about taxes and what I might or might not owe. No surprises here!
Works well for me; no fear of losing my butt on some "investment" that may or may not pan out. Simple is good!