At the same time I don't want to discredit Karen's advice though.. it would be a sound one for a good portion of population around the age of 35. I often thought about investing the majority of my retirement funds into Janus' Smart Growth portfolio (which I think uses allocation quite similiar to the percentages I listed in my original post), but I choose to go with investing into stock route. It's a choice I conscoiusly thought about and decided upon.
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