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"But even in the US, our market is overvalued now, and it would make sense to have some money overseas."

It's very hard to get access to stocks from countries outside your own. I even opened up an account with Interactive a few years back for that purpose. What a pain in the neck it turned out to be! I would have to exchange for their local currency to buy a local stock. After I sold the foreign stock, I had to covert it back to USD.

So the only thing I do is just get some Emerging Markets and that's it.

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