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20-29 points. You are a moderate investor who feels comfortable taking reasonable risks. When you begin investing, you most likely follow the advice of friends or family. By doing so, you have learned that you received no formal education on personal finance except through experience, but you may still seek advice from other parties to help guide your decisions. Suggest viewing the Investor's Blueprint of Disbursement Form Portfolio Foxtrot in categories of 36 to 48 months and reviewing some special programs.