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If you are second guessing market direction, maybe it's time for an allocation review.
How much cash are you hold, and how many years income is it?
IMO if you think you are taking on too much risk, add a year's income to your cash allocation... maybe even 2-3 years worth of cash. When I retire my goal is 7 years cash is part of allocation.
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Light travels faster than sound. That is why some people appear bright until you hear them speak. One person's stupidity is another person's job security.
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