The reason I referred to small cap, large cap,fixed, is that just about every "advice" or analysis for amateur investors tells us to diversify the portfolio, based on timeframe and risk tolerance. Even in an IRA, that diversification should matter, shouldn't it? So,what I'm really asking is this: shouldn't I be looking for an investment that will be worth a lot more when I take it out than when I put it in? If there is an additional tax advantage(in addition to it's IRA status),that's just icing on the cake. Correct?
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