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Hi everyone,

I have a small Roth IRA that contains approximately 10 percent of my non-pension retirement portfolio. I do not plan on investing further in my Roth at this time, as I invest in a 457 through my employer. Currently my Roth is invested 100% in iShares Gold Trust (IAU), though I'm uncertain if I'm willing to risk the volatility of gold or any other commodity, for that matter, over the long-term. The rest of my portfolio, in the 457, is in a target retirement fund (Vanguard 2025, VTTVX), and basically I want to avoid overlap between the 457 and Roth IRA, so a similar target fund is not of much interest. Any ideas on what to do with this 10 percent of my investment portfolio? I can't rollover the Roth anywhere, other than to another Roth, so I'm not sure what to do. Stick with gold as a hedge? Experiment with bonds? My goal is simplicity at this point, thus why I chose a target fund.

-Narn Ceredir
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