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We’ve all experienced it – anyone who’s ever advised a 401(k) plan. There’s always one employee who knows it all. He’s the guy (and, yes, I’m not being sexist, but it usually is a guy) who thinks he could school Warren Buffet. He is, after all, the only person who believes some obscure fund with only $100,000 in assets is about to explode. It usually does, except not “explode” as in “ever higher growth,” but “explode” as in “blow up.”

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