i'm an equites kind of gal, and one of the reasons why is because im my housindi were extremely conservative when we first started out. So probably more than niney % of my money is in equities, but in mutual funds, low costs, index mutual funds. I like invesmonsince it's easier for me to have the diversity i need by investing that way. And i'm very cautious, of course, because lots of times people don't pay attention to what their investments cost them. That money goes directly in pacts, directly returns on your principle.

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