do not use hand writing please

The CEO of The Family Office is talking about the role of wealth management in risk planning he first distinguished between speculation and investing and briefly explained that our investing strategies must be written in order to follow a certain plan to accomplish the goal of our investments. But the CEO mentioned that he will not recommend for investors to borrow funds from banks and use them in investing, he called this as The biggest mistake.

As an investor do you agree with the CEO? Why?Suppose you are interested in high rate of returns but you know with high returns there is high risks. So, what will be your investment strategy? how can you minimize your risk