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It sounds to me like you have no experience. Investing and trading are two completely different activities. In either case taking any actions without an understanding of work you’re working with is very dangerous. If you are retired and looking for an income both investing and trading offer no...

I read your post and I'm not sure why you think fx is too risky. You can open a practice account for nothing and then trade with as little as $500 if your willing to live with very small gains as you learn. I started trading options after a 3 month mentor course and moved on to fx. I have taken...