Ed's stockbroker told him that it was foolhardy to invest all his money in a startup that had not shown any ability to make a profit.
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inept -
Having or showing no skill; clumsy
In his rookie debut, Omar seemed inept because he struck out every time he was at bat for his first 4 games, but then he improved, much to his and his team's relief.
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clueless -
Lacking knowledge, understanding, or awareness about something.
I was clueless during the math test—I hadn’t studied at all.
noun
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klutz -
A clumsy, awkward, or foolish person
For a klutz like Glenn, he had to very careful when clearing the dishes from the table not to step on something he didn't notice and drop everything on the floor.
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dysfunctional -
Not operating normally or properly; broken or impaired in function.
He grew up in a dysfunctional family where arguments happened daily.
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foolish -
Lacking good sense or judgment; unwise.
The group realized in hindsight that it had been foolish to go hiking without checking the weather forecast.
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stupidity -
A lack of intelligence or the ability to think and understand clearly.
When he reviewed in his mind what led him to this degraded situation, he realized he had no one to blame besides his own stupidity.
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scatterbrained -
Disorganized and lacking in concentration.
Kathy liked having deep conversations with people, and felt that spending time with scatterbrained people who talked about nothing important was a waste of time.
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nincompoop -
A stupid or foolish person
Bill's doctors told him that since he was a diabetic, he was a nincompoop for eating cake.
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nitwit -
A silly or foolish person
Ernest may have been a simple nitwit, but he had a kind heart.
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bozo -
A stupid, rude, or insignificant person, especially a man
Martin was a bozo who would always act rudely to people, and as a result his boss was considering letting him go.
verb
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blather -
To talk long-windedly without making very much sense
Sally would blather on about pointless topics until people just walked away from her.