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Introduction

Financial markets are supposed to be complicated. If they were easier to understand, there wouldn’t be as much money to go around. Individual investors wouldn’t need to pay brokers and financial advisers as much to manage their nest eggs. They might be less inclined to buy high and sell low, ensuring profits for those who do the opposite.

This book is designed to make things simpler. It’s built around the choices that you have about where to put your money, an approach that’s more in keeping with the investment decisions that people make in the real world.

Look at it this way: If a family member asked you for some money to start ...

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