Randy Warren, of Warren Financial Services in Exton tells investors in a Forbes.com piece that if you were invested in anything other than 100 percent of the SP500 last year, then you underperformed the market.

Warren warns putting all your assets in an inexpensive SP500 index fund could kill investment plans, ruin a retirement or cause long-term underperformance. He recommends tactical diversification. Read the whole piece here.

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