Risk
When it comes to the stock market people who take the risks are the ones who make money. Everyone else just hovers around 3% of an income increase each year. Thats not much of a profit, nor is it worth the time it takes to manage stocks and bonds. I would suggest checking out Stock Market Investing News over at contrarianprofits.com. They give you tips that are contrary to what mainstream investors will tell you. Things that are risky but well worth the risk when you get the big payouts.