No. of Recommendations: 1
A "rollover IRA" is simply a traditional IRA that you "roll" your 401(k) into. If you roll a 401(k) into an IRA, you MUST roll it into a traditional IRA 1st, then later you can move it to a Roth. Be aware, however, that there will be some tax involved when you move from a traditional to a Roth.

You must pick the asset allocation YOU are comfortable with in your retirement plans. You can read all the studies and articles and web advice about diversification you want, but in the end it is YOUR money and you invest it where you feel confident.
As far as Microsoft going "Enron", I don't think that will happen. But the Feds could someday manage to make something stick that might affect the value.
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