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Locking all savings into somewhere with 4% APY for 5 years -VERSUS- putting it all into the stock market for 5 years. Is the former really a bad idea?
Locking all savings into somewhere with 4% APY for 5 years -VERSUS- putting it all into the stock market for 5 years. Is the former really a bad idea? Assume that I have additional emergency savings which I am not locking up. This question is only about savings that I can comfortably invest: Is it really that bad in the short term to just go for the guaranteed 4% APY for 5 years, versus putting it in the stock market for the same amount of time? Is the expected return from stocks that much be...
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