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I'm not sure I'd really want to move the non-IRA money into the IRA at this point. Keep in mind that you're not that far from retirement, and a disadvantage of tax-deferred accounts is that there is no advantage of long-term cap gains, so all gains from your investments will end up being ordinary income (this is particularly annoying in your case, since the holding period for various DD strats is now up to 18 months anyway). The big tradeoff is that for people who have a much longer time before retirement, their investments compond tax-free. If you want to just do a simple UV4, you could run a split portfolio. e.g. pretend all of the money is in one basket when computing the positions. So, $8000 for IP from IRA, $4000 from IRA for T, and $4000 each for EK and GM from the non-retirement accts. Even if you can't put the other MF's into the IRA, you don't want 4 separate funds...
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