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Fixed asset allocation aligned with ordinary American, and no moving back and forth from cash. (Just cash for modest bill-paying, emergency fund, home, big child-raising expenses like college tuition.)

They're generally incentived to keep all 3 indexes up.




Going from "no individual stock picking" to "we feel you have too much cash, you have to buy index funds!" is quite the leap.


Moving huge sums between index funds and cash can constitute trading on insider information, and/or on conditions that a lawmaker is able to manipulate.




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