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<p>[QUOTE=&quot;Cloudsweeper99, post: 1363630, member: 3011&quot;]For the OP, who is 20 years old, I believe a 100% allocation is appropriate since the stock market is the greatest wealth-building opportunity available to most people.&nbsp; PMs were a great investment a decade ago, but less so now.&nbsp; I still think they will go up but it&#039;s all speculation now.&nbsp; If a person decided to divide their holdings into 10 stocks, it would be appropriate to make one of them PMs.&nbsp; Someone who is 20 and is investing for retirement can ride out the dips and take advantage of the compounding effect.[/QUOTE]</p><p><br /></p>

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