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Close. Markets move in cycles. Market tracking and index funds suck for 2 reasons. One, managers long term who manage actively can outperform, especially if it is investing in smaller stocks, foreign, sectors, etc and generally if you have someone helping you pick them will after expenses and 2 most of these are do it yourself. This is the easiest way to loose money long term. You should have a financial advisor help you. After fees people typically have much better long term returns using an advisor over doing it yourself. Right now for example you should be buying.
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