I was talking to a retired truck driver last week. He showed me the letter he got from the union pension fund.
They are cutting his retirement benefits by about 50%. They are running out of money.
It doesn't look good for the folks that can't make their money work for them.

Risk works both ways. There is risk in buying and selling commodities and just as much risk in doing nothing.
The greatest risk is trusting someone else to handle your assets for you.