Pessimists sound smart. Optimists make money.
Many Happy Returns
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Diversification - Should I Go a 100 % Stock?
A small amount of gold, isn't it? Like five % or something, can add a diversification bonus. Small cap value would also be in there, but also long turn bonds and short turn bonds. The drawback is that your returns may not be as high as if you'd gone for a higher risk portfolio. And you may regrets at the end of your life.
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