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Last note: Because I work for hedge funds (that is my area of expertise, on the technical side), I am forbidden from investing in individual securities or ETFs. For legal reasons, I am only allowed to invest in mutual funds for which I do not have any control over the decision making process. This avoids the issue of me personally trading a security that my fund may have privileged information on (and thus have it on their internal restricted list).

So all I am really looking for is funds since I can't pick stocks or ETFs (unless I get out of the industry, which could happen one day, but not anytime soon)
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