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Before 2013, the critical for where make investments money was simple: buy stock funds and bond funds, if you are an average speculator. Bond funds provided high income and relative safety, while profit in stock funds was the solution to was easy methods to invest for growth and returns (from early 2009 to early 2013). Then, in June of 2013, the money game got serious as interest rates threatened to increase significantly and ruin the party every person who.