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I'd swear that for some the answer to every investment question on this site is buy Vanguard index funds.
If a person told me they needed the money in as few as 3 years, is risk averse and cannot afford to loose the money and I put them in the market I'd lose my license when the lady sues me in 3 years because she lost money. Then if I defended myself with the odds were on her side argument I'd get laughed at and they'd double her settlement.
There is a reason stocks are suggested for investors with a long term time horizon. 3 years isn't long term.
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