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The need for investments to mirror the precise circumstances of the investor is sufficiently terrific that FINRA, The Money Industry Regulatory Authority, considers it a breach of fiduciary duty for an investment decision adviser to provide investors a "a single dimension suits all" portfolio.
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With diversification and small danger in mind, you may perhaps allocate your portfolio with as little as 5 percent of one's portfolio or perhaps about fifteen per cent in REITS. A further part -- twenty to fifty percent, depending upon your danger tolerance -- may very well be split among a medium-phrase federal government bond fund plus a significant-grade expense bond fund with minimal management fees.
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