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When a retirement fund isn't 'safe' Investors should understand that market volatility will remain a risk to their portfolio, and investing in low-volatility funds does not guarantee protection, according to this article on Forbes. These funds could be more volatile than the markets and should not be mistaken for a bond or money-market fund, which is usually not affected by a stock sell-off. Investors are advised to look inside the fund before buying it and include bonds, money-market funds and real estate in their portfolio to balance their stock investments.

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