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[Music] hey guys so today ive got myself lincoln here were gonna walk through what we call investments 101 and uh we titled that this were essentially going to walk through the different types of investments that are out there in general this is good to understand where funds alternative investments fit into the whole landscape between bonds and stocks and stocks and equities and all this kind of stuff where do we fit into the whole landscape what are your investors thinking when looking at alternative investments especially in a new fund manager how to think about it i think this will give us a lot of insight if you met with a financial advisor they probably talked to you about some of these things before right lets just start off at the bottom and work our way up to start out you have what you call the risk-free rate and the risk-free rate is essentially a government bond okay that youre buying from the u.s government why is it risk-free because the us government is perceived a