If you're fortunate enough to have savings, you've probably thought about how to invest them responsibly. 

The standard answer is to stick your money into no-load mutual funds that track the market and leave it there for as long as possible. Low risk because of the diversification. Low fee because there's no genius managing your money, just an algorithm. And high return because over the long term, it's almost impossible to beat the market.

What could possibly be wrong with that?