[bittercynic]

Is this disagreement really about different meanings of 'safe'?

I think most people would agree that we're in a bit of a weird time financially. It seems possible to me that total market index funds might go sideways for a while, and that we might, in fact, have bigger fish to fry as well.

On the other hand, if you've paid down your debts, and emergency fund is in good shape, and you still have extra cash, is there a better bet than a total market index fund?

[bdangubic]

yes, Apple. Will outperform any index fund over the next decade just like it did the previous decade but hedge it a bit with few other companies