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I am also retired.


I also attend medical appointments.


I nap sometimes.


I am not earning a wage


I don't fiddle.


I don't watch the markets constantly but infrequently (when I have funds and am going to buy)


Result is VAS will pay me a five figure sum in distribitions this January and VGS not all that far from one.


It did not require me to buy selectively or chase the smaller and agile.  That is a speculative mindset not an investing one.  As for BKI there are better in my view.



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And IBC?


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