You are right. Your friends are wrong. Index fund and chill.
> have it available for me in 20 years when I retire.
Just 1 random person's superficially informed advice: I bet a US index is going to do better than all-world over the next 20 years.
> have it available for me in 20 years when I retire.
Just 1 random person's superficially informed advice: I bet a US index is going to do better than all-world over the next 20 years.
https://en.wikipedia.org/wiki/The_End_of_the_World_Is_Just_t...