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If there is the opportunity to self-direct to stocks, would I allow quarterly payments to build in a cash account before distributing the entire year's amount across the Foolish Four once yearly (Dec or Jan)? Or should I establish four different portfolios that need to be revised at four different times each year. I lean toward letting it build up to avoid what I'm afraid would be huge commissions at Lynch.

quick follow-up to my first reply:

i think you would be better to just have one portfolio. park the cash in a money market fund until you have enough to reduce the commissions to a small percentage of your overall portfolio. if you need more than a few years to build up enough, you might look at some other funds that can provide a better return, but be very careful. in my old SEP with ML, every fund was a class B fund. they have "deferred sales charges" that decline from 4% to 0% over 4 years. if you need that money after 2 years, you still pay a fee.

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