Yes… I also wouldn’t park money in a savings account for 18 years.

But 7% is not the risk free rate! The S&P and these other things have risk!

But show me a bond I can buy that’s paying 7% and I’ll show you below investment grade.

LFSPA.

Not risk free, but not volatile either. Although even that underperforms compared to an index fund.

Index funds are not risk free! We have had a solid 15 years and everyone forgot that there are decades of declines or stagnation.

	▲	AussieWog93 2 hours ago \| parent [-]
		LFSPA is a cap note, not an index fund. Hence the lower returns, haha. Not saying it's necessarily the ideal vehicle but anything beats the banks.