Build your perfect retirement portfolio: use these guidelines to diversify your investments, reduce your risk and meet your savings goals.(THE RIGHT INVESTMENTS)

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WHEN YOU HEAR THE WORD HOBBY, YOU probably think of typical pastimes, such as photography, gardening and tennis. Not Jeff Blades. The St. Louis resident would rather spend his free time training for the ultimate challenge: Iron Distance triathlons. These races include a 2.4-mile swim, a 112-mile bicycle race and a 26.2-mile marathon--back to back to back. Blades, who has completed 70 triathlons (and is signed up for several more this year), says pacing is the secret. "Simply put, short-term thinkers do not survive the grueling 140.6 miles," he says.

Blades, who works in software sales, applies the same discipline to managing his mutual fund ...

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