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In April of this year I rollovered my 401K to a Mutual Fund IRA. Since then, I've been learning
alot on this site as well as reading books about investing and decided that I would like to transfer
my IRA account to a discount brokerage and invest in the F4. I thought that I read somewhere that
once you do a rollover you have to wait at least one full year to roll it over again, but you can
transfer as many times as you'd like. Would this be considered a rollover and do I have to wait
until April 2000 to begin the F4 plan?

One more question: I understand that when you rollover your 401K to an IRA you shouldn't
contribute any more to that account in case you decide to roll it back over to a 401K plan with
your new employer. Since I have no intentions of rolling it into a new 401K, is it ok to contribute to
this account? Or is it better to open a separate IRA account?

Thanking you in advance for your help.

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