The quick 20-month turnaround has many strategists changing their doomsday tune, and many new products that claim to offer capital protection while enjoying equity returns are popping up in the market.

Banking crises have happened since the 1840s and the collapse of key players in the financial ecosystem often which lead to widespread panic and a scramble to preserve capital. The question on everyone’s minds is: ‘Is my money safe?’

Many people would say stocks are risky. However, if properly diversified, risks can be reduced substantially and the probability of stocks giving you gains is as close as guaranteed as your time horizon increases.

With investors scrambling to add different asset classes into their portfolios to equal their returns to that of 10-20 years ago, they may be exposed to higher volatility than the past as well.