I was talking to someone today who is putting a large amount of money in to peer to peer lending. He is very excited and sure that he will double his money in 5 years with a 12-14% interest rate. He is so sure about this plan that he is using most of his retirement money in the hopes that he can re-coup the recent losses and put his 10 year retirement plan back on track. I sure do hope it works out for him. That is more risk than I am willing to take although he doesn't admit there is much risk at all.
My retirement plans are much shorter. I would like to have the option to retire in 2 years with any additional work time padding my bank account. I'm not willing to try any risky investments for such a short period of time. Perhaps after I have reached my retirement goal, I will have extra money to use for creative investing. But even then, it will be small sums that won't derail my life if I lose them.