Re:I'm 25 years old and I am lost
by jonknee on Thursday August 14, 2014 @09:09PM
(#8180605)
Bank accounts are't for storing your retirement savings. Even with the current low rates you can get 3% from 20 year Treasuries. If you want more yield you'll have to take some risk, which is why diversified portfolios are always advised.
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In other words you must take the risk of forgoing retirement when trying to beat inflation. In 2008 pretty much the only diversified portfolios that didn't take a huge hit were the baskets of low-risk investments.