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"There is no investment that's a sure thing. You never know when someone might be cookin' the books in the back room (Hi Kenneth Lay! Hi Bernie Madoff!) or some bank president leverages our assets 30/1 causing a widespread market crash, or some irrational nut-ball head of government does something completely unpredictable..."

Doesn't this suggest putting your money under a mattress in your paid-off home and buying a shotgun? OTOH, the Vanguard Wellesley Fund (VWIAX) has a pretty good track record.

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