However, if one has the skillset, the personality, the risk tolerance, and the performance results that offer that person the likelihood of better than average returns, then the Roth IRA makes more sense to me.I always challenge those who claim to have "above average performance results" to post their performance beating investments on this or another board ahead of time, so that we may see them in action. No one takes me up on it though.Personally I find that active investors end up with less money than the "slow and steady" crowd, since they incur greater tax and transaction costs, and waste time analyzing stocks when they could be doing something profitable/productive.Nick
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