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if you dollar cost average in ,the combination of dollar cost averaging, and the fact that statistically you will be buying in at higher and higher prices as we are up 2/3 of the time and only down 1/3 ,while at the same time the fund cuts stock allocations over the time frame which gives you less of a stock holding then had you bought in all in one shot maybe making you a little more conservative than you hoped for.
think about it.. it makes sense
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