I have been living in US over 30 years. I am 60 now, and most of my retirement savings are in index funds ( IRA, Roth IRA, 401k ) I am planning to retire in 2029. When I started retirement saving, I really did not know about stock or mutual fund, but I am so glad I did it otherwise I am not able to retire. Thank you for shearing your knowledege and informations.