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Hi Gup,

I'm constantly rethinking my allocation strategy (still 120% stocks), and that of my Mother, who's 54 and has mainly Vanguard stock funds.

For my portfolio, I'm hoping the stock/bond debate will be less of an issue since the goal is to beat the market, not just track it. I'm running a controlled experiment now...if I decide I can't beat the market, I'll be in the same boat as Mom, and be more interested in bonds, REITs, CDs, etc.

Nick

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