I like the quote but it is not that simple as you always need to make minimum risk and an aptitude and patience to follow the trends, here intelligence is when you are up to date about the entire financial market and understanding and learning about the new market and the biggest example is the BTCitcoin market, people who invested a few thousand dollars during the initial stages made a calculated investment because the risk was minimal and some made a fortune and that is the case with the stock market where they learn about the new upcoming companies and trends and invest in them before going big and that is how you make the maximum return.