Here are two more investment options for Juan to consider, especially for those with long term, low risk investment O-H-A. Works pretty much like a time deposit but much higher rates.
To say that 2015 was a tough year for investments is an understatement. We had a tough 2014, we thought we have recovered at the start of 2015, only to end lower from where we started the year.
A cool economic concept cited is moral hazard. Formally defined as when one party engages in excessive risk taking because another party has agreed and is ready to absorb the impact of such risks.