No. of Recommendations: 0
I'd like to see other posters chime in here because I have my own quirks about "freedom of funds". Investing in a non-tax-deductible IRA in your situation is, IMHO, not a good idea.

You'll get the tax deferred compounding, but the restrictions on your money in the IRA, IMHO, is not worth the tax-deferrence.

I suggest investing in an aftertax account. Keep your investments "tax-efficient" by either in index funds or buying and holding a diversified portfolio of individual stocks and keeping the trading to an absolute minimum.
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