The average exposure to organophosphates is lower today than it was when these studies began a decade ago.

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It is also possible to bend the risk curve using other ETFs such as QQQ for Nasdaq exposure, DIA for Dow Jones Industrial Average exposure, EEM for emerging markets exposure, or even non-equity ETFs such as GLD for gold exposure.

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In Japan, the average equity exposure is far lower, where bonds account for 48.8% of funds.

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