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Pessimists sound smart. Optimists make money.

Many Happy Returns

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Rebalancing a Diversified Portfolio Outperforms Bonds

Yen: If you can meet your goals with a lower risk, take that option. Y i don't have to just reach for the highest just toy have a better spread. I think people often mistake that return isn't your goal. Your goal is to achieve a certain level of wealth without taking too much risk and also having a reasonable quality of life to get there. He says if you never re balance at all, the performance is bettr long term.

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