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My question is should I be trying to decide which mutual funds are better ... <snip> or whether it would be better to redistribute these monies into individual stocks/bonds...)

Any money you have in your IRA is under your complete control. So the real question is not which is better, but what are you more comfortable with.

If you have read "The Motley Fool Investment Guide" or read through the Fool School, you probably know that investing in an S&P500 index fund is recommended, instead of choosing individual mutual funds. This is because 80-90% of mutual funds do not match the S&P500 index return, in the long-run. This keeps from worrying about the performance from year-to-year.

If you want to invest in stocks, try the more conservative portfolios. Look into Cash-King or the Dow Dividend Approaches (High Yield, Beating the Dow, Foolish Four, etc...)

Zev
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