That’s because the math shows that it’s not only profits that compound over time. Costs, do, too. Investors need to watch out for themselves, unfortunately. Mr. Bogle warned that the costs of stock trading and investment fees can easily ruin your prospects for a comfortable retirement.While the past provides no guarantees for the future, it suggests a course of action: holding stock index funds for their higher returns and bond funds for reliability and for offsetting the ups and downs of the stock portfolio. How much and what kinds of each — the fancy name for this is asset allocation — are critical and individual questions.An invest …
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