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Financial Planning / Tax Strategies


Subject:  Re: IRA investment Date:  1/23/2013  5:29 PM
Author:  JAFO31 Number:  117507 of 123001

bentony: "The reason I referred to small cap, large cap,fixed, is that just about every "advice" or analysis for amateur investors tells us to diversify the portfolio, based on timeframe and risk tolerance."


"Even in an IRA, that diversification should matter, shouldn't it?"

Probably, but many people suggest viewing you IRA, Roth IRA and taxable investment accounts as one portfolio and not three different portfolios. It is difficult to infer from your post whether you are viewing the IRA as its own portfolio independent of any Roth IRA or taxable investments.

"So,what I'm really asking is this: shouldn't I be looking for an investment that will be worth a lot more when I take it out than when I put it in?"


"If there is an additional tax advantage(in addition to it's IRA status),that's just icing on the cake. Correct?"

Not necessarily. Any ad