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I've noticed that most investing columns and philosophies assume a long time horizon (10 or more years). What about
the situation where a person is already old, and was only able to save a little until recently? Consider someone in their
late 60's, still working (decent salary), has some investments (including IRA's) but not enough, and can't depend on any
sort of pension.

Rember you are still a long term investor. You can have 20 or 30 years in retirement.

I would not trie for the home run. Be conservative.
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