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What I was really asking, is there any way to get more bang for your buck in terms of excess cash sitting in the account that hasn't been used on trades, but cannot be moved. Should that just stay in the account to re-sell investments when desired? Or is there a better way to use it?

-mith

PS: Sorry if I'm unclear still



In the initial stages of retirement account funding, one usually has
a few constraining issues
- account size
- asset diversity
- trading costs
- risk
- returns

Let's assume you have $1500 in your retirement account, transaction costs are $7/trade. Among several options
- single idea e.g. GOOG @ $440/sh
- two ideas e.g. WFC @ $35/sh, KO @ $55
- an Index ETF e.g. IVV @120

If you opted for the first choice, you have 3 GOOG shares, no asset diversity, thus higher risk, low trading costs (single transaction), possible above average returns, plus $173 cash earning
0 - 1.5% in your account. Suppose you had chosen IVV instead? That's about 12 shares and $53 cash. Your account size would restrict you from buying a share of BRK-B. So those five issues will interact with one another in the investing decision(s).

For the Roth IRA, you are the CEO of the account and its primary shareholder
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