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What I'm really interested in is whether or not even Fools would take a guaranteed return when it comes to their retirement money, or would they rather pay for a little security and forgoe the potential higher returns of the markets.

I realize this is a message board for die hard investors, but this isn't money that we just have laying around - its retirement income. I'd be surprised if 100 out of 100 people on this board would risk their annual income on the health of the stock market.
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