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Since you are still young, why not look for the best and safest returns? Leave the risk taking to the older generation that got a late start and doesn't have a choice.

Why? Looking at monthly S&P Composite Index since 1871, there has been exactly ONE 15 year period that you would have lost money and NO 30 year periods that money was lost. IMHO, you're really not taking on much risk when you have a long time horizon.

The real risk is not reaching your financial goals until you're too old to enjoy your life.

-murray
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