Ciaran T is only making a point and not really suggesting anything.
I suppose it's comical really when you see banks, financial institutions, investment experts, etc, etc, with advertisements and big glossy booklets inviting us to take their products in order to increase our wealth from our surplus money. Yet they themselves just give the money to the central bank and pay them to mind it for them because they cannot find anything suitable to invest in. Seems like if you put 2 bankers/economists into a room they'd come out with 3 opinions.