"When you diversify your mutual funds, you are diversifying something that is already diversified. Diversifying mutual funds is like taking high octane gasoline & adding water & then adding orange juice to it."

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We're looking at a huge gap between what an entire generation thinks is going to happen during its retirement years and the funds that are there - or, more accurately, are not there - to make good on all those promises.

— John C. Goodman