Hi Paul,So it's sounds like you're saying "Cannot be determined from the information given." The problem is we still have to make a decision. Also, I don't think people's situations are too unique to have general goals for their long term (retirement) investments. For example, if you assume the investor meets these goals:-Is employed-Can contribute to a 401k or similar-Can contribute to a Roth, or at least in future years will be eligible for a conversion -Is going to have a period of work, then a period of retirementYou're capturing a good portion of investors. And what do most of them do? Put a random amount, usually 5%-20% of their income in a 401k without really being sure why, and investing in or converting to Roth IRAs if they read about them in the paper, also without being sure why. I'd like to have a set account allocation goal to shoot for.Nick
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