I'm almost wary of having any kind of a retirement account loniee. Social security is still at risk, stock market fund based retirement accounts are very risky imo and if things get really bad during this upcoming decade, I can imagine retirement accounts disappearing into the pockets of the ceos and board of directors. I don't know what the answer is other than paying off your mortgage and having a widely diversified "portfolio" with some metals. Your definately wise not putting all or a big portion of your eggs in a fx solutions account basket.
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