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If you are new to the investing world, you might find the prospect of choosing individual stocks and bonds to be incredibly time consuming and complex. You may have personal connections to certain brands, but how can you decide whether purchasing Amazon, McDonald’s, or Nike stock is the right investment for your portfolio?

Fortunately, this challenge is faced by millions of investors who do not have the time, the experience, or the desire to select and manage their own portfolio of individual investments. Buying investment vehicles such as mutual funds and Exchange Traded Funds (“ETFs”) offers an effective solution.

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