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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:

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":

And, there's my rollover IRA:

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