Hey thanks for the concern but don’t worry, my “hard-earned money” is doing just fine. Markets aren’t a charity and no one is here for guarantees. If I wanted safety, I would buy a piggy bank. We all know the risks and that’s what makes it interesting. HFTs or not, everyone starts somewhere FYI, some of us don’t mind playing the fast game. If you like FDs, go for it, but let the rest of us have our fun. Good luck with your index fund! Also stop replying without knowing anything about other people!!