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Comment on Ask HN: How do you invest?

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1/3 in a domestic (U.S.) index fund, 1/3 in an international index fund, 1/3 in CDs, money market funds, savings bonds, or T-notes. Rebalance once a year. Spend no additional time thinking about any of this.

This advice should be adjusted given your age / risk tolerance. 1/3 in cash equivalents is a bit conservative for a 20 or 30 something, for example.

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