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you c an analyse the SWR till de cows come home, and there is plenty of analysis out there. But you have to factor in what the price is of a good nights sleep.
If you can take the ups and downs of the markets, then go for the equities more, if you cant, then you are better with the CDs or Treasurees or whatever, even though you may earn less over time. Sleep without worry is priceles
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