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How Large A Stock Allocation Do You Really Need? If you invested in SPY from the start of the year 2000, as the Dot-Com Bubble was peaking, you gained 52% over the next 20 years. Back in early 2000, if you instead invested 40% in an S&P 500 Index fund, and 60% in SHY (1-3 year Treasury ETF), you earned 57%.
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