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I'll take the risk for this growth over 4.1%. I invest for the long term. Got absolutely destroyed in 2008 and I held strong with picking up even more positions.
In the long term investments such as VOO are tried and true. There will be bumps, but you've got to persevere.
PS - Not willing to take undue risks with new financial instruments. Just looking for tried and tested advice. There is a plan to buy property next year, but that is outside of this scope. Single, no kids.
VOO mutual fund (which technically won’t be VOO) and VOO ETF are going to be 99.99% the same. Especially in a tax free account.