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hi subvet,

I'm like Chris regarding MDP. I just didn't have enough money to invest enough so the costs per investment would come down. Kind of like a high load on a mutual fund for me.

Regarding fixed annuities, bonds, and other debt instruments, Ron Muhlenkamp in, Ron's Road To Wealth says avoid them because, "we know they are managed for the benefit of the issuers and against the interests of the investor." p.161

He also says that we need to remember that diversity is not the goal of investing. p.159 In other words, don't buy a stock just because it may be in a sector you don't own just to be diversified, buy it to make money because the company is a good one.

I would think with the MDP you are hiring a management team that will tell you the best way you can make money following the team's investment philosophy. You have to be comfortable with this philosophy or you will be miserable.

Best of luck,

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