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5 years is not very long term. When you are talking about investing for retirement you are thinking long term. For those in their 20-30's, 25-30 years. Do some homework, get a few mutual funds, and diversify. There's really not much more to it.
If your so averse to risk, get a 30-yr t-bond. But don't keep me from investing my money how I see fit.
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