When you hear about a portfolio that goes up along with the stock market but can't go down, your first question should be: Where's the catch? The pitch is seductive, Especially to those who remember the turn-of-the-century stock melt-down: How about a note that pays a return pegged to Standard & Poor's 500 Index but guarantees your original investment back no matter what? Or, better yet, one that pays double or triple the index?
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