Asset allocation. Finance experts generally agree that for most investors, the most important factor to consider in their investment strategy is not the latest earning reports, or whether or not a particular drug is going to pass its FDA trials, but rather the basic question of in which broad categories they should invest their money. If you're lucky enough to find the next Warren Buffett and invest in his company (a great financial tragedy in my own life is that a friend advised me to invest in Berkshire Hathaway in 1989...and I failed to do so), then great.  But the key word...

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