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<< Sure, you can beat most 401k plans for returns in a self-directed IRA, but there's no reason I see not to keep your options open. It's only a small administrative hassle to have two IRAs, and it preserves your flexibility just in case you ever change your mind. >>

For those of us who trade stocks it's inconvienient in the extreme to have these little "runt" IRAs running around. If you are in mutual funds then I agree.
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