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I was wondering why this site (and many ppl on this board) say put %100 of your money in the SP 500 fund. Wouldn't it make more sense to diversify this? Say %75 S&P, %10 "guaranteed" funds, %15 Europe? Maybe throw %1-5 in a small cap fund?

I know the S&P 500 funds offer diversification, but shouldn't it be safer to do more?
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