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I'm a one-person business starting over after the recession. I'm 65 and expect to work as a writer for at least 20 more years. I'm considering opening both a solo 401k and a Roth 401k with different portfolios at Schwab. I thought one would be a 2038 targeted retirement fund, and the other one perhaps consisting of a high-yield dividend index and a S&P 500 index. Does this approach make sense? Haven't talked to Schwab yet or seen the make-up of their targeted retirement funds.
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