When it comes to actually investing money, relatively few people will do better than those who just keep plunking dollars into one or more low-fee broad-market index funds, such as ones that track the S&P 500. Do so and you'll quickly have a stake in 500 of America's biggest companies, and you'll earn returns close to those of the overall stock market. The stock market has averaged annual gains of roughly 10% over long periods.
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