What's the last date I can post this to  to arrive in time for Christmas? http://abs.ac.ug/healtheducationresearchcom-36e3.pdf partnersinhealth4u.com  Now, depositors are lucky when they don't have to pay the bank to hold their money. Bond yields are near historic lows and also present the risk that investors will lose value if interest rates rise while they are holding bonds. Furthermore, the average 60-year-old is told to prepare for a retirement that will last 25 or 30 years, so she has some time to invest for the long term. Even if you're 90, if you plan to leave money to heirs, you aren't investing for the short term.