LOL - my male S.O. has far less risk tolerance than I do - really, almost none.
So his money isn't growing and mine is. I keep nagging him but although he is really smart and understands the whole thing, good at the math etc., he keeps wanting total security. Nice, but no longer a good bet. So he makes 2-3% on his money and frets, and I make 5% and up, and just watch it carefully.
There always have to be outliers to make the average work