 the money in less than two and if you don't need the money or the return can you break those down for me yeah i mean the article talks about if you don't need the money for 10 plus years you can invest with an asset allocation you're comfortable with i mean if you don't need it for 10 plus years then you can definitely be more aggressive right yeah you could be in something that's more long-term buy and hold individual stock portfolio or stock equity etfs but explain that to a super saver