No. of Recommendations: 0
mskillz, My first reaction was "it doesn't matter." However, I don't know what you mean by "diversification" and how large the accounts are. On the first question, I would recommend that the vast majority (all?) be invested in equities. At your age with these long-term investment accounts, stocks (based on historical evidence) will produce the greatest return. If so, what diversification is called for? Individual stocks? The number of stocks depends on the total investments in the accounts and the amount of rebalancing you plan to do (especially in the IRA).

Hope this helps.

Bill
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