Shelby and Mark Lawrence are about 20 years away from retirement. They worry that they have not been aggressive enough in their investment decisions. While they have already established an investment program, they are aware of the need for long-range retirement planning. Some friends have recommended supplementing their investment program with highly speculative investments such as real estate. Since the Lawrences live a busy life style, they realize that a direct investment in real estate would require too much of their time. They are also worried about the housing market. Therefore, they are considering an indirect investment. They would like to evaluate whether this would fit into their portfolio.

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