Retirement funds, even personal retirement savings, have to be invested to at least keep up with inflation. And you have to put that money into the market somewhere. Which is where are those ETFs and Mutual Funds and Hedge Funds and stuff come into play.
They key driver is inflation.
Government "targets" 2% inflation (here in Canada at any rate) on purpose.
But needing to keep ahead of inflation is what drives everyone's savings into the hands of the banksters.
Retirement funds, even personal retirement savings, have to be invested to at least keep up with inflation. And you have to put that money into the market somewhere. Which is where are those ETFs and Mutual Funds and Hedge Funds and stuff come into play.
They key driver is inflation.
Government "targets" 2% inflation (here in Canada at any rate) on purpose.
But needing to keep ahead of inflation is what drives everyone's savings into the hands of the banksters.
Hard to break that system, though....