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In response to "Pippy I only made 7% last year (and by far I am no expert) but last year was choppy so I wouldn't be too worried. I would ask for a 3-5 year average" by Bacon

It very much depends on your life-stage and philosophy. I'm more concerned about preserving principal and invest very conservatively. Looks like I

made a little under 5% overall - after withdrawals and having a substantial cash reserve.

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