It's a risk worth taking. If you put $100 in the bank and take it out in 5 years the value of this $100 has decreased your purchasing power (inflation) means you can afford less for the same amount of money. Anything that could "grow" your money is worth the risk ;)
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Exactly, and I don't see any risk expect the time of posting a comment or blog. Or in the case of the post, doing nothing.