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In my post I wrote "e.g.", then gave an example of a possible allocation. I ended my post by saying the most important question can only be answered by the investor. Now it may well be that a financial planner might feel a client's ability to take risk differs from their comfort with risk. I don't think I implied a one size fits all allocation. The point of my post was to consider simplification to a portfolio that can be understood and followed easily.

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