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Before 2013, the reply to where to speculate money was simple: buy stock funds and bond funds, for everybody who is an average investor. Bond funds provided high income and relative safety, while money in stock funds was the give an account to was the right way to invest for growth and returns (from early 2009 to early 2013). Then, in June of 2013, the money game got serious as interest rates threatened to elevate significantly and ruin the party for everyone.
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