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Reply to "Talk to me about why we should or should not use a financial advisor"
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[quote=Anonymous]Which market are you comparing your target date fund to? It will likely trail the S&P 500, because it's designed to hedge against risk by diversifying your holdings to include some international stocks, bonds, and possibly small or mid cap stocks. The good news is that if the S&P 500 tanks, then your portfolio should do a little better. Putting everything into the S&P 500 is much riskier, because all your eggs are in one basket. [/quote]
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