Yes, they can be single stocks which you wish to hold for the long term. These are usually in a regular brokerage account. You also have the advantage of being to access this money to pay for purchases through time. Example: I just sold a small portion of an appreciated stock to pay off my boat 18 month early. I turned a $1500 investment into $8700 (I bought the shares at the same time I bought the boat). The capitol gains tax hit was WAY smaller than continuing to pay interest on the loan.We have $ in a 401K (with Vanguard), and our IRA's, Roth IRA's, and brokerage with Scottrade.
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