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Author: kook79 Two stars, 250 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 19483  
Subject: How Do I Balance My Risk? Date: 1/7/2008 9:24 AM
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I usually post to the consumer debt board, but am wanting to start 2008 understanding my ROTH IRA, and employer ROTH 401(k) and ECAP. I want to diversify my retirement portfolio some, but am unsure how to do so. Here is what I have.

$32,000 in ROTH IRA (mine) - TEPLX Templeton Growth Fund(currently not paying any fees until my contributions reach $60,000, currently contributed around $15,000)

$4,000 in ROTH IRA (wife) - VEIEX Vanguard Emerging Market Fund (no.low fees)

$9,000 in employer 401(k) - Europacific Fund (employer pays fees)

$4,000 in ROTH 401(k) - Europacific Fund (employer pays fees)

As you can see, I am very heavy in global, and want to diversify. My first act would be to take my $32,000 and split it up into an energy fund. How do I go around doing this? Would I have a tax implication by moving stuff around? I want to be able to look at my retirement funds as one big picture instead of so many individual things.

As I split things up, can I still call my ROTH IRA a ROTH IRA, or does it still all have to be in one fund in order to call it a ROTH IRA? Keep in mind I'm 28 years old as is my wife and we want to make sure we continue getting good growth out of our funds and have the correct funds with the right tax implications in place.
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