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“This is especially the case for younger investors, who are in the best position to weather the inevitable short-term market volatility.” Bankrate cites a study from London Business School and Credit Suisse, which found that after adjusting for inflation, housing offered returns around 1.3 percent per year from 1900 to 2011, while stocks performed more than four times better.

So while financial experts, such as self-made millionaire David Bach argue that a home is a crucial investment, real estate is still not a substitute for a retirement fund.

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