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Hi, Gavinski:

While I cannot presume to advise you on what YOU should do, if I was in exactly the same position I would place about $12,000 in each of 20 different stocks. That's enough to qualify as your own (her) personal Mutual Fund, so to speak, and would eliminate the management Fees which you would otherwise pay. Of course, that would place the onus of selecting good growth stocks on you. To get you started, I would suggest CSCO, SYMC, EMC, KLIC, INTC, SSW, XLNX and NT for your consideration. Except NT (which I will be buying Monday), they have all been excellent stocks for my Portfolio. Others also, but I consider these ones to be my Core holdings. For what it's worth, I'm 69 years old, and consider myself a conservative investor.

Ray
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