By Julie Cazzin with John De Goey Q : I have tried very hard to become a better saver and investor over the years by educating myself on investing. I think what has held back my performance is that I tend to be too conservative and too pessimistic. My risk aversion, too, seems to have hindered my returns. What is the best way to offset these tendencies? What type of investment portfolio would be best for me? — Julianne G. FP Answers : Julianne,…



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