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Originally Posted by jmjj215
Some forum members disagree with the "market return" approach though - saying the times have changed.
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Yup, I got slammed recently for recommending passive investing.
My feeling is that saving is something you can directly control. What happens to the markets is something you cannot control. I'd rather focus more energy on the prior. I just make sure I invest in lots of different things, contribute to them regularly, and let time go to work for me.