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[–] 1 point 1 year ago* (1 child)

Hi so I am actually maxing out a 401k and HSA, I have a IRA too but I only put a little bit into it. I also have a high interest savings account which is very nice.

But this is my long term savings and retirement. I don't trust myself enough for that and I've made 4-6% gains consistently since I started. Significantly better than I would be able to do (I know because I've tried with smaller amounts) plus I don't have to worry or think about it.

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  • [–] 1 point 1 year ago

    The s&p index returns about 10% a year over the past couple decades.

    Anyone reading this would be hard-pressed to do any better than that. So there's no reason to do anything but just put your money in a giant index and wait.

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