Investors should use:
Banks for short term cash management.
Insurance to cover the risks.
Gold to hedge the currency (i.e. Rupee).
Real Estate for consumption (Residence) or regular income (rent).
Capital Market to create long term wealth.
Unfortunately, it happens otherwise.
People tend to use:
Banks & Insurance for investments,
Gold (jewellery) for consumption ,
Real Estate for long term wealth creation, &
Capital Market for speculation and short term gain.
Needless to say, why they fail to create wealth!