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If all this talk of volatility and significant ETF unit price drops rattles an investor to the point where they may think they might not be able to survive a Stock Market Bear attack, then GOOD! Because that investor still has the time to adjust their portfolio by introducing significant fixed income into their portfolio before the next Bear attack. Just remember that there is no free lunch and that reduced volatility, i.e., “safety,” has a very high price! An investor with a long-term investment horizon who shifts from an all-equity portfolio to a portfolio composed of 50% equity and 50% fixed income could easily reduce their long-term average portfolio return by 2% per year. While this may not sound like much, their portfolio WILL be 50% LOWER than an equity portfolio would otherwise be in 40 years.

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