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I'll get straight to the point: a family tragedy has left me with a sizable piggy bank, roughly $300K. As far as investing goes, I am pretty clueless. I am meeting with my boss's financial advisor and accountant later in the week, but I would prefer to invest my own money myself rather than pay someone else to do something I could probably figure out on my own.

My goal is to earn a modest and reasonable risk-adjusted return on my portfolio. I am willing to forego a +20% return for a safety net.

So far, I am thinking about investing in mutuals funds in the following sectors:

*Emerging markets
*Natural resources
*Maybe commodities, precious metals and agriculture

Any of you guys have any ideas? Can you recommend any resources for a novice invetor like myself?

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