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I second fodonnell's post.

If you are 30 and investing for retirement, I assume you have many years to stay invested (10+). I would rather have my money in Stocks (maybe an Index Fund).

This is a decision that is better left to each individual. It all depends on your Risk Tolerance. If you can sleep better at night knowing that you are getting a 6.5% guaranteed return, then Great. If, however, you want better returns, then you have to be able to stomach those bad years that result in a low or negative return.

Just an FYI:
$10,000 @ 6.5% turns into $33,000 over a 20 year period
$10,000 @ 9.0% turns into $56,000 over a 20 year period

The Stock Market Average yearly return is 11%.

Weigh the risk versus reward using your risk tolerance level.

Good luck,
the hendrys
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