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The graphs you see below show the percentage of the time that the stock market has gone up or down, spanning many decades.

                           ***The two graphs I have attached for you***

INVESTMENT RISK AND RETURN
When the central bank keeps interest rates unusually low, they are essentially trying to create an incentive for people to stop placing money into savings accounts (paying little to nothing) and instead buy stocks. Statistics still show that stock win the long-term game of creating wealth, depending on how many years you have to be in the market. Over small time periods ( such as a year, a month, or a day), the market is more like a casino – it’s very difficult to predict, no matter how much experience or education you have.

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Watch this video segment from 60 Minutes: https://www.youtube.com/watch?v=WstJM_aNSj8

Review the charts above. CHOOSE ONE CHART and comment on it in your discussion for this week, then comment on another student’s thoughts. 

What do you observe as you study this statistical chart?
Why do you think the market goes down almost a third of the time.
What lesson can we learn about holding stocks for short periods of time (“trading”) versus the long-term (“investing”)? 

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