<prompt> Human: Waters are risky as markets are on verge of collapsing again after 2008.x200B;I started my job 4.5 years ago and have saved 70 of my earnings to invest on right time for better returns in long term 1015 years.x200B;Mutual Funds surely lower the long term risk but they also lower the overall returns as compared to Shares.x200B;What would you prefer for long term investments which can yield maximum returns in following decade? Why?x200B;If you opt for Mutual Funds, what kind of category would you choose? If Equity Stocks, what group would you prefer?x200B;How should I plan your financial retirement?  <response>: You are making a pretty large assumption that we are on the verge of a collapse similar to 2008. What evidence do you have of this? Will there be a downturn in the market? Absolutely, but no one knows if that will be 1 year, 2 years, or 10 years from now.It has been said countless times on this board...Time in the market always beats timing the market. Since you seem to have a large amount of liquid savings ready to investand assuming your high interest debt is paid off and you have a solid emergency fund and are nervous about a market crash, why dont you dollar cost average into a few index tracking funds total market, international, bond, etc? 