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My husband just set up a self-directed 401(k) with Charles Schwab.

He receives about $1,000 each month (his contribution and his empolyers matching) and an additional $5,000 in December for profit sharing. I'm not sure how we should invest this.

We use the Fool Four approach, which means we invest at the end of December. Should we be doing anything else, such as an index fund for the other months? The commissions are $35 to buy or sell shares in the index fund. Or should we just let the money stay in the money market fund -- it earns a little over 2% -- until the end of the year when we re-balance for the Fool Four method?

Thank you for any guidance you may give.


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