In this edition of Monday's Money Minute, Scott Francis looks at the year of failed investments including the collapse of Fincorp, Australian Capital Reserve, Bridgecorp and a Basis Capital fund.  He then reminds listeners  of the reality of the relationship between risk and return and concludes that the investments that A Clear Direction ensure that their clients avoid is just as important as the choice of investments that are recommended.  Click here to be taken to the podcast.