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There is really nothing out there that can offer a 10% rate guaranteed. Most people that are young invest in mutual funds to try and achieve a 10% rate of rerun over a long period of time. There is a lot of risk though, because if you are going after a 10% rate of return YOU WILL LOSE MONEY some years, but it is very possible to achieve it over a ten year span. Since 1925 Large Cap Stocks have averaged about 10-11% rate of return and small cap stocks a little more.
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