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<p>[QUOTE=&quot;Cloudsweeper99, post: 1325398, member: 3011&quot;]Given your situation, I would definitely have the money in the stock market, not gold.&nbsp; You don&#039;t have to learn how to pick stocks, if that is not your inclination.&nbsp; A stock mutual fund or a stock index fund will give you a much better probability of reaching your financial goal than the course you are on.&nbsp; I view PMs as the part of an equity portfolio that can be established after you have a significant position in stock equities.&nbsp; [my personal opinion, of course].[/QUOTE]</p><p><br /></p>

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