Jim:

> diversify, diversify, diversify. hold for long-term, not short. 
> Hold more bonds (and fewer stocks) when old; reverse that when 
> young. 

This is what you are taught at ivy league business school finance classes if
they still adhere to the "efficient market hypothesis" of course. 

I would say go and talk to Henry C. K. Liu to see if his fund is still
accepting contributions.

This is my financial advice.

Best,

Sabri

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