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It will pay to be as aggressive as you can with your ROTH IRA investments since the potential returns are tax-free. I would make an attempt to keep it very simple and invest either in QQQ/TLK or VIGRX, which is the Vanguard Growth index fund (it's a much better growth choice than VFINX - at about the same cost, too).

You are making the right choice to start out with these funds/investment trusts. You don't need to get fancy, just buy (if you can) with the full $2000 at the beginning of each year and hold them. It's important that you HOLD. If you look at QQQ for example, it is very volatile. At the end of day, though, it is up almost 30% since it became available earlier this year.

QQQ was up over 80% last year (well actually the underlying index was, since QQQ was not available until this year). Few people I think could have picked stocks that would have outperformed.

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