Here's my take, some from personal experience and the rest from reading. Manage your IRAs as individual portfolios and not really trying to compliment each other. My wife and I tried to do that, run certain investments in my IRA and others in hers. Bottom line, didn't get things diversified enough within the individual IRAs although together it made for a diversified portfolio. As an example, 10 stocks together but 5 in each IRA. One craters it can make a big hole. If I had 10 stocks in the IRA, the one wouldn't have hurt as much.I would worry about individual stocks until you had $50,000 in an account. Until then and S&P 500 Index fund would suffice. I personally don't do bonds nor bond funds. You can loose your principle just like in stocks or equity funds. To get a fixed rate of return I simply buy CDs. Rates might currently be low but I know what I'll have when I'll get it.JLC
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