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bobmazzei,

. . . . an additional thought:


If you're near retirement age, you might want to look into a low cost Variable Annuity with a guarantee of principle rider. Yes, there are costs you'll have to weight to see if there is some value to YOU. For some people in their later years, they feel it's worth it. So, you might ask your "financial planner" about this. Hopefully, he'll be knowledgeable enough about his to help you make effective well-informed decisions.
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