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Hello cdr46,

I left out specifics because my questions isn't about me. Note the use of the second person pronoun in the hypothetical. Supply your own variables--I'm more interested in a conversation than in fishing for predictions.

If you were new to the market (which we aren't) and your retirement funds were not tax protected, retirement is 10 to 15 years away and ALL your assets were in cash right now, how would you proceed?

This is a difficult market--most of us are 'up' on the research, have pretty solid backgrounds, and do our due dilligence--but still don't have The Answer. And The Answer will always be subjective--who cares about 'the experts'? I'm interested in how other Fools down here in the trenches construct and support their strategies...

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