Gambling with your short-term investments is not worth the risk
By now, many people have learned the essential process for making long-term savings decisions: If you're investing for something years away — the classic case is retirement — you invest for growth, typically in the form of domestic and international stocks, with a portfolio that's highly diversified and low-cost. For long-term objectives, time is your ally, enabling you to ride out the inevitable ups and downs of the markets. More downs than ups lately, which to long-term investors means it may be time to add stock exposure — but that's a column for another day.
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