I'm 31, and have just opened a SEP IRA, to which I intend to contribute the maximum amount possible *forever* on a monthly basis. I've got a little over 80% in a Total Stock Market Index and just under 20% in a couple of bond indexes, and intend to inch toward the bonds as I age. I've Read Bogle's books, and am convinced that this is the solution. I also have a Roth IRA in a strong Mid-cap Growth fund (so far).The question is this: Am I wrong to forego putting at least 15% of my total SEP assets into a fund that will throw off lots of capital gains (like some kind of value index), or even an income-oriented fund, seeing as all of my appreciation is tax-free? Doesn't it seem like a fundamental advantage of the SEP plan: To use your tax-free growth to the hilt?Or am I overanalyzing this? Any thoughts?
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