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Holding in for now and putting more in every now and then. Agree with folks above about it being really hard to lose money on a 10yr + horizon.
Personal finances are just that, its really personal to one's own situation. What works for one may not work for the other one.
I think mainly about what helps me sleep peacefully at night !! My current approach lets me do just that so to each his own !! Cheers !!
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