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<< Are we Foolish in thinking that it would be a good idea to fund the Roths with stocks that are not particularly tax efficient (since no taxes will be due at a later date?)

Do most of you with Roths fund them with "safe" stock, or agressive growth stock? >>

You can't really answer this in a vacuum. The best strategy depends on what mix you have, both of types of investments and types of accounts (IRA vs. taxable).

Keep in mind that long-term buy and hold gains are taxed at a maximum of 20%, so if you have more investments than your Roth can accomodate, it may be wise to keep your long-term stocks in the taxable account and the ones that produce current income, through dividends or short-term cap gains, in the IRA.

Phil Marti
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