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and Iamp;#39;d like to touch on an earlier question about investing with small sums of money Iamp;#39;d like to ask both of you if you were 30 years old again and had your first million in the bank how would you invest it assuming youamp;#39;re not a full-time investor you have another full-time job you can cover your expenses with other savings for about 18 months no dependents well Iamp;#39;ll be very simple I I with under the conditions your name I probably have it all in a very low cost index fund and itamp;#39;d probably be you know might be Vanguard uh somebody I knew was reliable somebody where the cost was low and because you postulated that youamp;#39;re not going to become a professional investor I would recognize the fact that Iamp;#39;m an amateur investor and uh I would I would feel that a uh unless bought during a uh a strong bull market which this is it hasnamp;#39;t been I would feel that that was going to outperform to a degree uh bonds under current conditions