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DeluxeXL t1_jaei7m2 wrote

You confused risk and volatility.

Total stocks index is volatile - it has high standard deviation among prices and also among returns. However, it is not risky when the appropriate time frame is followed. Pre-retirement and retirement span multiple decades, where total stocks index is suitable.

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PetraLoseIt t1_jaeirh1 wrote

Very important to understand the difference between volatile and risky

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