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Why would you lock up your money for 18 months, if you are risk adverse. If you try mutual funds and ETFs, you can at least pull them out. Yearly rate of inflation on average is 3.5%. Many of you do not have extra money sitting around. You are taking his advice for actual investing advice - it is not that at all. It is for people who have extra money. PRLAX ADRE SPY - want to earn 9 to 10% minimum? Check out those moderately risky investment. PRLAX ADRE SPY - CHECK OUT 10 YEAR RETURNS ON THEM. Fidelity.com <--- get you a brokerage account, put in your due dilligence, and stop listening to the talking heads.
By 13% at a minimum
