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Before 2013, the be managed by where devote money was simple: buy stock funds and bond funds, when you find yourself an average investor. Bond funds provided high income and relative safety, while money in stock funds was the solution was how to invest for growth and higher returns (from early 2009 to early 2013). Then, in June of 2013, the money game got serious as interest rates threatened to elevate significantly and ruin the party everyone.

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