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Greetings, PeterLong, and welcome. You asked:

<<It does not sound rational to me to keep all the funds you will need in the next 5 years in Money Market/CD, with virtually zero risk and zero return after inflation and taxes, and then for 6 years and more out to jump to the relatively risky and high FF return of +/- 20%. Isn't there some intermediate route for say years 3, 4, 5 and 6 with gradually increasing risk and return?>>

So who said five years of income has to be in a money market fund or CD? I might keep one year's spending money in a money market fund, but the other four would be in short-term to intermediate-term bonds, treasuries, etc., to garner the relative safety with a slightly higher return. All I'm saying is I don't want the risk that stocks can give in less than five years. See the 23 posts starting at for some discussion on the matter.

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