<span></span>Most of us have 401ks, but a lot of people don’t really know what the best way to allocate your money. Most 401k programs require you to invest in set of pre specified mutual funds. Often times one or more of these funds will be invested in growth or value stocks (and a lot of them are a combination of both). Stockbrokers such as tim sykes have a keen grasp of the market thus know precisely where and when to invest. How do you know which one to invest in? The first step is understanding the difference between them, and the second step depends on your goals (but I will share with you what I do).

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