Given a long enough period, past performance indicates that the stock market does not lose. (Although there is a first time for everything, you are still at risk.)

Keep in mind that the markets rise and fall, so we are talking about long-term investments, not money you will need in a few months or years. Indeed, the overall stock market offers inflation-beating returns over the long haul.

However, individual stock-picking does not provide the same potential for success. You can take advantage of the power of the entire stock market with index funds and ETFs that follow the market.

Fees are low; if you wait long enough, the returns should help you outpace inflation.

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