I'm a trustafarian

[M2d]

[ QUOTE ]
100k after 40 years at 10% = 4.5M
100k after 40 years at 3% = 325,000


[/ QUOTE ]
previous poster is obviously talking about the short term. he's saying that, if op doesn't have immediate targets for spending but anticipates spending a good portion of that money soon, then a low interest/low fluctuation vehicle would be better than a higher interest/higher risk one. I doubt that he, or anyone, disputes the long term value of ekeing out additional points.