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Now that I have done a lot of studying at TMF, I am considering whether some of the funds that we currently have sitting in CDs and in our MM account would be better invested in an index fund or in spiders. This would be money that we have outside of our rollover IRA, which has a blend of fairly conservative investments. We also have a decent helping of individual stocks.

The CDs which are about to mature are at decent rates, but as we all know, we would have to replace them with low rates--so it just seems a shame to lock up the money that way. We will be looking at retirement in about ten years--any advice on whether that is "long term" enough for the S&P to treat us well? As far as I can see, everyone always talks about investing for the "long term," but no one says just how long that is.

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