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Christine Benz

Christine Benz is director of personal finance and retirement planning for Morningstar. She is also the author of How to Retire: 20 Lessons for a Happy, Successful, and Wealthy Retirement. Email Christine at christine.benz@morningstar.com. She reads all of the emails she receives but doesn't always have time to send a personal response.

More From Christine Benz

Plus, whether it’s too late to invest in international stocks, who needs bonds, and what role dividend stocks should play in an investment portfolio.