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Subject:  Re: Asset Allocation for Retirement Date:  1/22/2003  2:33 PM
Author:  Hyperborea Number:  35599 of 88063

Whether or not you consider your two accounts as if they were one account may depend more on individual personalities.

A problem with treating them as seperate portfolios is that implementing your chosen asset mix can get expensive in fees for small purchases or low balance levels. The more complex (sliced & diced) your plan is the higher the level in those funds needs to be to avoid those costs.

In my own case, my wife's IRA is too small to reasonably do much with beyond putting it in one fund. The amount in that fund is taken into account within our overall portfolio (including 401k, rollover IRA, taxable investment account) and any rebalancing needed is done using other accounts. The fund in that IRA is one of the more tax inefficient ones to take advantage of the tax deferral.

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