Retail investors rushing into companies like Indonesia Energy Corp (INDO) and Houston American Energy Corporation (HUSA) have seen their positions nearly wiped out. This week, Goldman Sachs (GS) joined other bulge-bracket banks reporting bad news: Investment-banking revenues plunged by 41%, though that’s light compared to a 55% decline at Morgan Stanley (MS) and the 61% drop at JPMorgan (JPM). And though they all run the risk of hiding bad loans (since modern GAAP accounting principles are weak at sniffing out issues), an investor buying a basket of these conservative stocks stands to benefit even as inflation rages on.