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Before 2013, the response to where devote money was simple: buy stock funds and bond funds, for those who are an average investor. Bond funds provided high income and relative safety, while money handy funds was the factor to was the right way to 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 increase significantly and ruin the party every person.