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A simple question for those of you with great knowledge:

As a federal employee, a 401k is not an option, since we have a "retirement plan" (providing we decide to stay for 20 years). The IRA is a start, but is there anything else I can do to replace the advantages of a 401k? Does an SEP fit? Can I call my capital gains my 'self-employed' salary or am I just plain out of luck for tax deferal?

Thank you,
Philip D.
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