Quite resourceful! I have 1 question to ask:
If the 'downside risk' due to interest rates hike hits the performance of bonds more than stock indices and the 'upside risk' of lowering interest rates favors the stock prices more than bonds. Then...

How can stock be made more marketable to small retail investors,owing to its inherent negative(loss) perception among public? Is the lack of financial knowledge plays its role? or something else exists in reality?