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In general, best suited for investors who have a relatively long investment horizon seeking both a high level of income and moderate growth and a broadly diversified holding of stocks and fixed income investments. Model portfolios reflect the following: Build and maintain portfolios that are broadly diversified across all sectors of a securities market. Use broadly diversified, low-cost funds. Have exposure to bond funds with a broad range of maturities and credit quality. Hold both growth and value stock funds. Where an allocation to equities is involved, include some exposure to international stock funds.
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