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:D:D I'm not trying to get crazy big gains, unlike some others who actually succeed in doing so. I'm happy to get an average of 10-12% (growth and dividend) over the very long term, and leverage that up a bit. My plan is to keep contributing regularly for the next 10 or so years, and then...

I'll buy again this month, partly with borrowed money, just as I have been every month for the last 10 years.