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I've noticed that. I wish I understood options better, but I honestly probably don't have the time for it. It's easier for me to just stick with my mutual funds.

A lot less risky too.

For sure! I was looking at my growth chart for my account the other day and it looked like I was getting 19% annual return on average over the past 15 years or so. I can't see how that is accurate, so I have to believe I am reading the chart wrong. Even if it is just a fraction of that, still not too bad for relatively low risk.