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My advice is to keep all stocks in an IRA or a ROTH-IRA.

Well, a Roth would be Ok, but you have to limit yourself to the annual contribution limit, as noted earlier.

And in a traditional IRA, even with nondeductible contributions, this has the result of converting your accumulated dividends and capital gains (otherwise taxed at a lower rate) into ordinary income when withdrawn.

Not the shrewdest tax planning.

And with that in mind, it actually makes more sense to keep stocks in a personal account, and bonds and REITs in an IRA vehicle.

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