I would suggest you buy a mutual fund for all your funds. If you want to try a self directed investment program - choose one that will not cost you money. Start with your magic $500 of paper money. Invest and sell as you wish. Do not forget sales commissions. At the end of 12 months if you have lost money put the amount you have lost into your IRA -- that will come from your normal work a day spending, so there will be some incentive to invest carefully. GordonAtlanta
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