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galeno -

Thanks for the link. I like Bogle. I just don't fully embrace his opinion. I use both index funds and actively managed funds (and some with "below average" expenses, according to Morningstar).

Many investors = many opinions. I respect you for yours. The bottom line is... I invest in what I like. Some people use bank CD's - it seems dumb to me, but if it makes them happy & comfortable, so be it!

Best wishes, PP
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