I Hate Gambling Money In The Stock Market

*sorry I am going to get off on a rant here* My wife has it setup that every month a huge chunk is taken out of our bank accounts and automatically goes into this brokerage account where our "wealth manager" then decides what we should invest in. I dont frickin get it. I think its a huge gamble and a big risk on what I have worked my ass off to earn. I mean hell this joker takes 1% of our "wealth" for his "wealth management" fee but is only giving us atbest like 12% return per year. I guess this is a ok return but man 12% return on 12 months of holding my money? With ppc I am pissed off if I do not see a 800% ROI and that is a daily turnover. I mean where is the disconect?? Its not like I am fully reinvesting in PPC either cause I can ONLY SPEND SO MUCH there just is not enough search volume in many of the niches so I do build up a stockpile of cash but I would much rather invest it in a FDIC insured account(s) then gamble with it in the stock market. I guess what it boils down to really is if I am going to gamble my money I would rather do it on something I understand... like PPC. I would feel much safer investing in something like... GOLD where I know there is next to zero chance it will completely lose value. Maybe I could start a mutual fund where I manage peoples money on PPC then when I return HUGE ROI .... well I dunno how that would work ok rant off...