<<<I'm 27 years old and have a Roth IRA and matching company 401(k). Should I diversify so that each account mirrors each other with respect to the types of assets, or should I diversify so that both accounts taken together reflect the desired level of diversification? >>>I haven't yet met a 401(k) that let's you invest in individual stocks, therefore, your diversification will be handled by your Roth IRA. That is, at best you could hope to have a S&P 500 index fund as a 401(k) choice, if not, do the best you can. I'd put all my 401(k) money in one fund. In the Roth, I'd choose one or two MI screens to flesh things out, assuming you've enough money in the Roth to keep commissions below 2%.JLC
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