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Dear Fellow Fool's

What is the best way to diversify accross multiple IRA accounts?

In my case, I have a SEP, Traditional, Roth and Simple IRA. In addition I have a regular brokerage account.

I have an assect allocation plan that I would like to stick with involving index funds and a combination of growth and value stocks. Should I attempt to have each account mirror each other in the asset allocation? In this case I think I would be wasting commissions with purchasing the same stock for each account. Should I devote each IRA to a particular section of the asset allocation? So that my traditional would hold only index funds, the SEP would hold only growth stocks, etc.? Or should I just use whichever account has the proper cash to make the required purchase to keep my asset allocation in balance?

I guess the easiest way to frame the question is do I treat each IRA individually or should I pretend that all my IRA's combined equal one account? Also, is it advisable to keep the same holdings and asset allocation in my IRA's as in my traditional brokerage account?

Thanks in advance,


Bryan
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