Sometimes the riskest thing in the world is taking the most conservative path. It will guarantee that you fall behind which is typically a result of taxes and inflation. While it is no guarantee of success, assuming increased risk t an early point in your life statistically gives your the best odds of getting long term perfomrace that is comparable to the market.
Think about it like a Blackjack Game. You can sit at the table and never take a hit which means that you never risk going bust, but this does not mean that you are going to leave with more money than you started.
Simultaneously consistently hitting with 19 is probably not a winning stragy either.
