These safe harbor investments you mention, aren’t those the investments that we all thought we were making before the financial crisis? And these financial guardians, aren’t these the people who we were giving our money to for investment? Government approval would curb some of the egregious investing that has occurred but it would also make out system a lot less capitalistic and it would cut down on the free market and that would never fly. But still it’s a good idea to pair the rise and decline of our minds with what we expect from our finances at that age.