How safe is the stock market?

[Gigi]

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and those return #s look low, but they are excess return #s so don't include the 'risk free rate' that you get in addition to it (probably like 3% or so).


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So this give you around 8%-9% return?

Can you explain how this is better than the suggested portfolio linked below which a lot of people have been posting http://www.fundadvice.com/portfolio.html
Annualized return: 13.1%
Std Dev: 10.9

It is based on portfolio #6 found here:
http://www.fundadvice.com/articles/b...-strategy.html

This portfolio is also unleveraged, has no load fees, and minimum expense ratios.