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How to choose mutual funds to invest in
(lemm.ee)
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100 percent this. Anything SP backed is gonna be safe. Unless you can do a CD, some have good rates of like 4-5 percent. T-bills tend to be too low yield for me tho.
Never say safe, especially with the S&P it is a risk and people should understand that, but for most people who predict being able to hold for a long period it works.