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There may well be value in self-direcing your IRA funds, using the Foolish Four, or some other strategy you read about here. Your timeframe of 4-5 years is a good minimum for investing in the stock market. That is, if you need to start taking money out in 4-5 years, you should be planning for that now, and shifting some funds out of stocks. Of course, that's true even if you keep your IRA's with T. Rowe Price.

There's no need to have 4 IRA's to use the Foolish Four. You can have a single brokerage account, set up as an IRA, and hold multiple stocks in it.

Fool on!
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