my money in a money market fund has returned 0.01% since august
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It was in jest. Seriously though, at least look at bond funds for a return on the left side of the decimal point.
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ugh. If you are still young, just stick with a broad equity market index fund or ETF. Make sure they don't charge much as they don't really need to do much anymore. Yah. They jump around in the short term. Long term is very different.
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