one comment on mutual funds. You can get a big tax surprise( non cash since you haven't sold anything) in December. ETF's less so. An advisor can help. Not as a recommendation Edward Jones i think just charges for transactions which most advisors charge based in the value of you acct. I don't use Jones and have an advisor that does charge. Also as everything the fee could be negotiable
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it's tough to make predictions specially about the future
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