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22. Relative to their holdings in their early careers, conservative retirees likely have greater holdings of: a. small-cap stocks. b. international stocks. c. cyclical stocks.

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22. Relative to their holdings in their early careers, conservative retirees likely have greater holdings of: a. small-cap stocks. b. international stocks. c. cyclical stocks. d. low-beta stocks. 23. What are the steps in the portfolio management process

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