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The money that you have today will surely be of less worth 20 to 30 years from now. The only way it can cope with the future is when you invest it on something that will be productive enough to thrive the economy. Certain investment opportunities fluctuate like stocks and bonds but there are others that always go up like land, jewelry, gold coins, silver bars, and the like. They may earn a little but the income will be steady. Unlike stocks and bonds, there is always a possibility of a sudden drop, then all stock owners will be frantic to save what they have. It is quite stressful too.