There is no such thing as "investing" in the stock market! How can you invest in something that doesn't actually exist since nothing tangible exists that makes up the stock market?
What we do is 'trade' in the stock market but we don't 'invest' in it. The stock market is a 'shell game' just as mutual funds are pyramid schemes.
Since the basis of a mutual fund is the stock market but a mutual fund's value bears little relationship to the stock market value itself, then there is no such thing as 'investing' in mutual funds either, though that is not how mutual funds are marketed.
If your pension plan is being traded daily in the stock market, you are playing Russian roulette with your pension plan. True pension plans are NEVER tied to the stock market OR to mutual funds, but instead are comprised of 'guaranteed investments' such as GIC's.
