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Last year I sat with an investment analyst - I’m not filthy rich, but it was a freebie the bank offered and who doesn’t want to do the best thing with their savings. Anyway, I had gotten a bit of an inheritance, and the bank people wanted to be sure I’d do the right thing with my money. Well, he encouraged me to put 80% of my savings in a retirement fund that would give me 7% interest and make m…