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1 billion a year ago, the most given away because the program began in 1991. Dividend yields can fluctuate as time passes, but the income provided by high-yield bond funds helps augment the fund's overall return. And with the, you'll need great chefs inside your kitchen. When you deal with a large employer group, you're dealing with a very customized benefit structure that is unique compared to that company, and there is a need to get a more hands-on approach,” says Howells.

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