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I think maxing out your pre-tax contributions is generally the best bet. But, putting some of your IRA into indiviudal stocks following TMF newsletter recommendations is not a bad idea. Here's someone that's done well with the latter:

http://www.openportfolios.com/Members/neilson249/neil249port

I think buy-and-hold is the way to go. There's academic research to back up the idea that "the more you trade, the more you lose":

http://faculty.haas.berkeley.edu/odean/papers/returns/returns.html

And, there's my rollover IRA:
http://www.openportfolios.com/Members/show/ira

Stephen
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