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CAGR is Compounded Annual Growth Rate. If a stock or stock fund's total return is near the market's historical average of 11% why wouldn't you want to put all your money into that type of thing. The typical answer is that the 11% isn't guaranteed at all and there have been short periods where the returns from stocks was low.

Money market returns are alot like suped up savings accounts where you'd get something around what a short Treasury is paying, perhaps more in some credit risk cases and that is why in recent years money market returns may look great but they too can go down as the return from them depends on where they can find investments earning 6-7% as they too have expenses that eat into the return in most cases.

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