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I am definitely not an economic or financial expert. I save each month, invest into mutual funds each month. My usual is to not think about it.
But I did stocks a few years ago. Ok, like over a decade ago. I went with 3 big companies - Intel, Johnson and Johnson, and Mellon (now Bank of New York). I invested monthly for a while, then stopped. I didn't even watch it - just let it "grow" was my thinking. Well, it never grew. I think I made a very slight profit on two, lost on one. I finally sold it all in November to put in mutual funds.
So my experience is that if I wait, it will stagnate and not grow. So now I am worried that its useless in these mutual funds and I should go with something guaranteed - like a CD or money market. But those interest rates are pitiful now.
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