If there is anyone making non-deductible IRA contributions, please enlighten me if I've missed your reasons for doing so. It depends on what investments you want. If you are only going to invest in stocks that don't pay significant dividends and that you will hold until retirement, then you're probably going to be better off holding such investments outside an IRA. I keep such investments in my taxable account, saving the IRA for ones that produce more current income.TMF ExROPhil Marti
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