In the highly tradable sectors you have seen a lot of convergence in how stocks perform by sector. The classic example is Nokia, Ericsson and Motorola. They all suffer and boom together.

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How does it make sense to say that you're protecting capital of $10,000 by giving $500 to a salesman who in five years promises you $9,500? You don't get your money back; you get what is invested back.

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