airahcaz,Here is part of the problem. You are trying to paint the picture here that your friend has 0% risk and that you bear all of the risk. This is obvioulsly 100% false. You friend is carrying the burden of the risk.You admit that your friend is not very investment savvy. Perhaps some on this board, have come to the conclusion that you have sold your friend on this idea by convincing him/her that he/she will have 0% risk. So, I will ask, does your friend believe that this is a risk-free option?
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