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I am a firm believer is diversification - so I favor some funds in a traditional investment account. Right now 401K and other tax sheltered accounts have advantages. But I think it very likely some significant changes in the tax code will happen in the next 4 to 6 years. If Congress for example does away with most deductions and lowers tax rates, a traditional brokerage account would look better for those who do not want mandatory 401K withdraws. Also you can put your funds where you want - even invest in items which are not allowed for IRA/401K accounts. If you go this route, obviously it makes sense to purchase investments that do not throw off a lot of cash.

Gordon
Atlanta
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