What is about HN where numerous posters do not believe that investing in the US or EU stock markets is better than completely random outcome, like roulette red/black? Man, this place is weird sometimes. What the fuck are you investing in for retirement if not stocks? Sea shells!!?? I hereby quote Brandolini's law:

    > The amount of energy needed to refute bullshit is an order of magnitude bigger than that needed to produce it.