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When you're within your eighties, you might not have enough time to Get well through the 30 to 40 percent declines that characterize a bear market. The standard length of a stock industry secular cycle -- the lengthy-term swing from the bull market into a bear sector and back again all over again -- is much more than 190 months. With your 80s, It is prudent to handle your portfolio to reduce danger rather than To optimize returns.

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But for this very same rationale, many crooks have entered this industry to make the most of the excitement on the market.

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