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I guess I wanted to see what happens after 5 years (maybe retire from current job). Again thanks for all your help - I might put half in a 5 yr CD or like and the other half in an index fund.

Sounds like a plan if you don't really need all the money in five years. I'd diversify within those index funds- small cap, plenty of international, a touch of REIT etc. Not just S&P 500.

Nick
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