William Larkin Jr., a portfolio manager, presented on investors' risk intolerance and fear in the current low interest rate environment. The US has $2.637 trillion in money market funds due to investors refusing to take risk. Fear of losing capital causes investors to seek very low risk, even if it means earning little to no return. This normalization of low risk deviance can lead investors to make poor financial decisions by anchoring expectations in recent history rather than considering changes. Diversification and considering different economic scenarios are recommended to manage uncertainty and gradual shifts in strategy.