That will make foreign investors such as China more nervous about contributing to it.
When it burst three years ago, millions of people all over the world were made more sober investors.
There are, of course, unit trusts that make investing sense and investors who should consider buying them.
But this information isn't necessarily making investors, or the market, any smarter.
The agreement on provisions of the contracts makes investors a bit more comfortable.
This, in turn, has made investors even more wary of the industry.
Another high number would increase inflation fears, making investors even more leery of future rate increases.
Wall Street does - and that is what makes amateur investors a valuable commodity these days.
"They tried to make passive investors out of us," she said.
Having the flexibility to construct their own retirement portfolios didn't seem to make investors better off.