I'd give some thought to asset allocation. Here are several asset allocation models, based on Vanguard funds -- and Vanguard, it seems to me, would be an excellent place for the IRA. http://www.geocities.com/finplan825/ModelPortfolios-Data.htm...Some of the model portfolios are pretty simple, and some, I think, are "over-precise." You might find the "lazy" portfolios (below) interesting. (Click on the name of each portfolio to see how it's composed: portfolios on this list range from 3 funds to 11 funds.)http://www.marketwatch.com/lazyportfolio?siteId=cbs--SirTas
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