[adventured]

> You really should do both. A small amount of your funds should go in to high growth.

Projecting your subjective investing preferences, risk vs return, onto someone else doesn't work. If someone is only comfortable investing in very low risk assets that will always produce a low return, there is absolutely nothing wrong with it. It strictly comes down to what you personally want out of the total equation.

[toomuchtodo]

Spot on. Everyone's investing goals and risk tolerance levels are different. It'd be criminal to put my 87 year old grandmother in high growth, unprofitable equities.

[icedchai]

Agreed, but most of the people on this site are not 87 year old retirees. It would be criminal for them to miss out on those returns.