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Before 2013, the tip for where devote money was simple: buy stock funds and bond funds, if you are an average investor. Bond funds provided high income and relative safety, while money in store funds was the reply to was the best way to invest for growth and better returns (from early 2009 to early 2013). Then, in June of 2013, the money game got serious as interest rates threatened to significantly and ruin the party anybody.

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