Re: Index funds
It's not a guaranteed 10%. You may gain or lose 30% in a single year. You may lose money over a 10 year period. Therefore those nearing retirement should not have all their money or even more than half in stock index funds. If you're under 30, you don't need the money until retirement, and you won't panic and sell if it drops right away, then by all means stick a whole bunch into an index fund.
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