### Comment:
Because if we went a recession in the next 10 years, your average return per year will likely be less than 3.9% until we recover.

### REPLY:
Sure. But in reality, how likely is it that we will be stuck in a 10 year recession as soon as I invest? 
  
 If we do, then that's fine. I will have to pay 3.9% per year then, doesn't sound too bad considering the risk

### END.