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First, I'm diversified and I'm fundamentally seeking to beat the savings & CD account rate. The ETFs I generally buy are holding around the DJIA, occasionally beating it. Woo.

Second, I don't care if it's just a large number of random numbers or an actual performance: if I can draw out lots of money (lots more than I put in) when I am ready to, I win. :-) Angsting hard about this doesn't gain me much.




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