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Before 2013, the answer to where to invest money was simple: buy stock funds and bond funds, if you are an average dealer. Bond funds provided high income and relative safety, while funds in stock funds was the solution to was how you can invest for growth and better returns (from early 2009 to early 2013). Then, in June of 2013, the money game got serious as interest rates threatened to go up significantly and ruin the party every person.