in, in, in the mix.

Yeah.

And it's, and it's interesting, so that when If you think about way back when, when people created things like balanced fund and stable funds, the, the, the intention at the time was actually to say, allow one manager or the manager, investment manager that you trust to do that diversification for you, because they've got a single view of what's happening in the portfolio, and then they can decide how much to allocate depending on how much risk you've opted to take, right? And that's, if you look at why, how funds have been defined over time, where from low-risk funds to high-risk funds, they've d- they've done it...

The, the industry's actually done it in such a smart way where individuals can decide how much risk tolerance they have, how much time they have to invest, and then decide what types of funds they want.

And when things were simple, people could just say, "I would...

I'm medium risk, I would like to invest for five years or more, and I'm gonna choose one balanced fund, and that balanced fund manager is gonna be the person who understands the level of risk that I want, and therefore, they will be the ones that will diversify between bonds, property, cash, and equities based on what's happening in the market and based on my risk profile." And what would happen is, in those, in those kind of, uh, funds is as market continues to...

If the market continues to run and the equity portion goes too high, then they'll start trimming it a little bit to get back in line and then add it to, to like cash or property, and that's just to maintain that level of diversification.

It should be like a core holding, but maybe not the only holding.