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(CNN) — Some of the most scorching returns these days are coming from funds that have made big wagers on the financial sector. There’s Legg Mason Capital Management Opportunity (LMOPX), run by Bill Miller, with a 54% return over the past 12 months. Bruce Berkowitz’s Fairholme (FAIRX) is up 36%.  Such numbers are awfully tempting — all the more so because they aren’t coming from go-go tech junkies but from “value” stock pickers who specialize in beaten-down, bargain-priced stocks, which is conventionally considered a safer approach. So should you get into one of these funds?

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