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5.0
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Fritz does a great job, even though I strongly oppose his buy & hold approach to investing. With concerns lurking among many economists & money managers of a potential liquidity crisis within the next several years related to US corporate bond & EM debt, I will not allow my clients' assets to ride a lengthy market decline to the bottom only to wait years to recover (especially for those over the age of 60 who are unwilling to endure a 12-18 month portfolio decline during their distribution phase of life.

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