@stux Unfair. In a world of collapsing interest rates and cryptocurrency cons, a well managed stock/bond portfolio is pretty much the only practical investment opportunity left, especially for people on fixed incomes. Actively trading as an amateur can be viewed as gambling, but professionally managed portfolios, 401Ks, etc. are among the least risky investment vehicles today.

@lauren What about bank interest rates? There are some safer ways to invest perhaps but personally i would not put my life savings into a stock for example

All im saying is that if there's a chance to lose it all, only put in what you're prepared to lose

@stux They way they have structured retirement accounts, we have no choice but to have market investments. If you take it out of the accounts they tax it into oblivion. I may end up destitute in my mid 60’s with no way to recover.

Yes, they are intentionally trying to kill many of us off.

@stux @lauren Bank interest rates? Best you can get on long-term high-balance CDs is 3.5%. That requires $100k+ for 5 years or more. Less than 5 years and the rates drop fast. Anything you can withdraw from on demand will be 0.1% or less.