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?
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