if you're in it for the long haul, don't watch it every day! and certainly don't bail the first time you see a dip. the younger you are, the higher risk you should be taking now, high as you can stand with funds with the highest possible return. as you age, you change your holdings.
but i wouldn't put all in one fund either. we have several--love me some vanguard.
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Books serve to show a man that those original thoughts of his aren't very new at all.
Abraham Lincoln
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