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i have a defered compensation plan at work that
invests the money on a pre tax basis..I am able to
pick from about 30 or so mutual funds for the
money to go into...should i keep this or would my
money be better spent investing in the dow...which
is the most foolish thing for me to do?

The reason that 401k's IRA's etc exist is because the tax structure lets you make a better return that if you invested in a taxable account.

My feeling would be to max out the pre tax investment if the funds are long term.

You can back test your decision since you know the actual investments you would pick and what your tax rate is.
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