Psychology is a useful tool in Advertising Investment Products
Savings products with a limited risk are popular with small savers and small scale investors. More about about Guaranteed Savings Products.

It has been suggested that the marketing of these products are highly suspect. That the marketing is using a form of psychological manipulation.

Cognitive Psychology
Cognitive Psychology deals with knowledge about what people actually are emphasizing in their perception of things. For example the fear of losing money is greater than the desire to make money. The fear of losing money becomes so important that it does not matter that these products are expensive in terms of little potential profit, but also in terms of commission and sales charge.

The pro investors
“Pro” investors are more rational. They are not so eager to get into these products. While small savers are more easily fooled, and have little problem lending money to finance buying these products.