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Thanks for the reply. I realize my one mis-statement about foreign exposure. I meant to say One allocation I don't want to increase is foreign, so I figure I'd hit all the others with a Total Market.

you may want to go instead with some nice growth fund or something similar which is more on a fringe in the hopes of gaining better appreciation of your capital. One thing to remember about Roth is that all your withdrawls in retirement will be tax-free so you don't have any tax considerations to hold you back in this account.

Excellent point, and something I hadn't thought through, that's why I like to bounce off of others. So much for making my life too easy.

Thanks again for your input.


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