why do finance people make up these complex instruments ?

one reason- because if it is simple , no one will pay them.

they will not be able to charge commissions

the whole point of these finance people is to scare and confuse you so that you handover your money to them and they earn their commissions they want to.

the simpler way to invest , the easier way – is to go for long term investments.

• live on less than you earn
• invest the rest
• repeat .
• stay away from debt – it is slavery

yearn for financial freedom – when you don’t have to work for money .. work becomes optional .. you can work if you still want to .