Certificates are the most important financial innovation of the last 20 years. More cost-effective and flexible than an investment fund, and far less risky than individual stocks, certificates cater to the needs of all types of investors. Whether you prefer to invest conservatively or have a more speculative mindset, forget the prevailing opinions about investments and discover the revolutionary world of certificates. The reader benefits from the extensive background knowledge of the two authors. They not only explain the background and motivation for investing but also place it within the broader market context and critically assess the prospects for success in an unvarnished manner. Even the concluding thoughts under the overarching theme of successful investing are worth a significant part of the investment that the reader makes by purchasing this book.