We are all aware of how to manipulate the numbers to get them to say what we want.
It's possible intimidating to a new can be used to, simply putting cash as a retirement fund. If the fearful of losing more money from your account in the stock market, it can be time search outside the box.
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But I'd prefer to tell you about index futures that mimick and also the Cash Dow you see on TV or large S&P 500 index you hear about as a benchmark for returns as stock market or mutual funds.