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OK, so I need a little help understanding where I'm at and where I'm going. I'm 31 years old and here's what I have:

1. A traditional IRA with American Century - I've invested $85 2x per month steady for about 1 1/2 years. I've had the account since I was 18 but I just started taking it seriously.
2. A stock portfolio I've developed on my own with the stock advisor - Not currently investing in regularly.
3. A roth 401K - my employer matches 3% and I invest 10%
4. Company stock purchase program (CTL) - 2x per year they invest at a 15% discount of market value. I invest 3% per paycheck ~ $100/month.

Here's what I need help with:

I don't know if my IRA is doing the best it can be doing. The average anual return is 2.01%, YTD since 12/31/10 is 7.69% and 12 month since 6/30/2010 is 30.89%. It's an all stock mutual fund (TWCIX) and I don't know how to do the research on a mutual fund to figure out if it's good or not.

Am I investing too much in the Roth 401K? I've heard I should only invest what my company matches.
Should my IRA be somewhere else?
What kind of IRA should I have, there's so many they make my head spin!
Should it include bonds?
How do you do the research on a mutual fund? (I've read the perspectus and it all sounds good but I don't know what it REALLY says)
What should my mutual fund be gaining ever year?
Can I buy and sell stocks bonds & ETFs (at a reasonable rate) within an IRA account that I manage myself via an online broker, or would that get too expensive with commissions?
Am I on the right track? Do I have enough/too many investments at 31?

Any help would be greatly appreciated. I know I need to invest, I just don't know how much should go where and I feel like I should be doing better.
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