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If returns are lower going forward, the challenge will be increasing returns without taking adding undue risk. Today's Stocks & Topics: Where to Invest, Emergency Funds, Tesla, Debt When You Die, TGT - Target Corp., TOT - Total S.A. ADR, MLPs: Master Limited Partnership, BEP - Brookfield Renewable Partners L.P., TEVA - Teva Pharmaceutical Industries Ltd., EPC - Edgewell Personal Care Co., CRZO - Carrizo Oil & Gas Inc., MA - Mastercard Inc., Companies with Cash.