Is the "Risk vs. Reward" model valid for generating real wealth, or is it merely a tool to create acceptance of lower returns? This second edition in the Perspective Series examines the "Risk vs. Reward" model that has become the accepted standard employed by the investment management industry in defining an Investor's investment profile. Here, we question the validity of the model and its intent to generate real wealth, or perhaps to create a general acceptance of lower returns by the everyday investor who is understandably not interested in losing their money.