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How to Make a Mistake
A typical retirement portfolio is going to have something like between 4 and 10% in short-term instruments. Jack: I don't know what your personal situation is, whether you are accumulating or de-cumulating. But I would treat these things as two separate animals for different purposes. If you're not sure what you're trying to do and just need somewhere to park something for a short period of time, yes, that stable value fund would probably work for that purpose.