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No. of Recommendations: 4
I want to challenge you all and ask: what about equities?

Do you want to be sure the money will be there or not?

You seem to be emphasizing 'stability in 3 - 5 years'. If you want to be sure the money's going to be there, then stocks are not your answer.

I can be earning 6-12 percent on some stocks and have flexibility of a year on the back end for a good market opportunity, is it unwise to place it into stocks?

Well, I guess we will see in 3 - 5 years.

If you want a sure thing, don't count on stocks. Even a one year timeframe isn't necessarily enough to recover from drops that many stocks have seen.

This comes from an investor who has not been hit by terrible returns in his investing career (I pulled out most of my equities before 2008 on a feeling while I was taking a finance course).

What if you're not taking a finance course next time? Or if you misinterpret the 'feeling'? Sorry, but pulling your money out of the market 'on a feeling' isn't a sustainable investment strategy, nor is it something that you should count on for money that needs to be there.

But, as Phil said, it's your money. You obviously want to invest it in equities, so go ahead. You don't need our validation. Just make sure you have a back up plan for 3 - 5 years from now if there isn't as much in your account as you had counted on.

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