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Thanks TMFPixy and mattpam, i really appreciate your response. About putting it in a discount brokerage, i will do it next year since i can only rollover once per year. The amount i rollover is too small and i want to consolidate my traditional IRA in one account. I know i'll be missing some pts. by going to a mutual fund i even want to kick myself on this but (sigh) i have to be patient and just forget this year's return.>>>j
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