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seft gave you some sound advice and all i am going to do is reiterate going with the safe funds originally
why dont you see what your bank has to offer, come back and ask us about the vehicles they have offered you
as far as big losses, i have managed to steer clear in my private account but have had some blow-ups professionally
my old roommate got his 1st bonus check. i think 100k usd, got about 55k after taxes. lost it in one week trading!! that hurts!
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