OP, I disagree with your number 2 option, which states that "Investment has zero risk", and I will let you know that investment alone is highly risky to get involved in because there is every uncertainty attached to every investment whenever it is attempted. You should understand that every investment comes with a risk, and as a matter of fact, there are lots of things one needs to put into consideration before they invest in a business, and these things are just the pros and cons that ought to be put in place in preparation for any unforeseen event. So, if one would prepare for unforeseen occurrences, do you not think that every investment comes with its own risk?