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Investing requires risk. There is always the opportunity of getting rid of funds if you invest in securities. Past efficiency doesn't guarantee long run benefits. Asset allocation, rebalancing and diversification will not promise towards threat in broadly declining markets.
There is always the possible of shedding money when you invest in securities. Past overall performance doesn't guarantee upcoming results. Asset allocation, rebalancing and diversification usually do not assurance versus risk in broadly declining marketplaces.