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Asset allocation: Download & read Melbane Faber's paper. I don't have the link on this computer, so google for it.

Roth vs. Taxable broker account: Why? Because you can't add much money to your IRA, only couple of thousand dollars per year, that's why. That's nowhere near enough if you plan to retire in 15 years. You need to invest that much (or more) each _month_.
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