Usually, by the time investors ask me for an opinion, it's too late. Chances are they will have already made a big investing mistake, and they can't do much about it. It's all too easy for investors to make bad choices: The securities industry is very clever about always coming up with the "latest and greatest" way to make a quick buck. But almost all of these investment vehicles are structured to benefit brokers and investment managers. Investors wind up getting relegated to their usual status as victims with no redress.