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Well it is true and here it is. Put equal amounts of that 15 percent into just three different mutual funds. The Efficient frontier using excel is one of the most important financial tools that help an investor compose an investment portfolio with the maximum returns and minimum amount of risk. 2000- . Should technically invest monthly adjusting for inflation also 100 102 etc but income should be adjusting for inflation anyways so just. 5 return on savings 2 inflation 3 real return on investments.


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