Group 1 - The article argues that stocks can be a safer long-term investment compared to traditional conservative options like savings accounts, CDs, and Treasury bills [2][3] - The S&P 500 index has never lost money over any 20-year rolling period from 1919 to 2024, demonstrating its reliability as a wealth creator [4][5] - During challenging economic times, the S&P 500's worst two-decade average return was 3.1% annually, while its best was 17.1% [5] Group 2 - Conservative investments like CDs and Treasury bills provide certainty in returns but may lead to a loss of potential upside gains when considering taxes and inflation [6] - An example illustrates that investing $50,000 in a 10-year CD at a 5% interest rate yields $2,500 annually, but this approach may not effectively build long-term wealth [7]