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It's never too late to start investing for your future. You need to start now and look into portfolios that will give you a good return on investment while protecting you from market volatility.
Whichever route you choose is fine as long as you stay in the game, learn all that you need to, and start investing.
The bottom line is that you should do whatever works best for you. As long as you're investing wisely, you'll be fine. The key is to learn all that you can about the market so that you can make smart decisions.
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