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Retirement Planning

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An investment portfolio is a collection of assets owned by an individual or by an institution.
An investor's portfolio can include real estate and so-called "hard" assets, such as gold bars. But most investment portfolios, particularly portfolios that are assembled to pay for a retirement, are made up mainly of securities, such as stocks, bonds, mutual funds, money market funds and exchange traded funds.
The best retirement portfolios diversify the mix of investments -- which can range from the caution of US Treasury bonds to the risky zip of small-company stocks -- in an effort to dampen market losses and maximize potential gains.
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