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Message: <blockquote data-quote="bacha29" data-source="post: 3972526" data-attributes="member: 58386"><p>All depends on your 35 highest earning years. Yes the ROI is modest but the risk factors that accompany higher return investments aren't there. And in 2008 a lot of people saw their investments in those higher risk markets take a huge plunge. Friends of mine who had their retirement savings invested in the stock of the local bank saw it disappear as the result of an FDIC ordered merger with a stronger bank . Oh yeah, if you want bigger returns fine provided that you'll accept the risks and are certain that you'll never outlive your money.</p></blockquote><p></p>