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No. of Recommendations: 4
Super safe. Liquid. Positive, albeit small, return. Could be the best position in your portfolio in a scenario where the S really hits the fan. Beats money markets and cash. Big growth is the role of other positions in the portfolio. Everyone should have an allocation to super safe.

You can back out the tax part of your calculation if you hold it in a Roth, of course. If you have enough other deductions and credits, which you might in the event of serious illness, you can back out the tax part of the calculation even holding it in a traditional IRA.

And remember, the "small return" we are looking down our noses at is almost 40% cumulatively over 10 years.
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