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The IRA is larger - right now there's a little over $5k in stocks (only 2 stocks) and a little under $9k in the mutual fund.

Could you specify what your mutual fund is? "Mutual fund" tells us that it is a special investmet corporation following certain rules, but it tells us nothing about what that mutual fund invests in.

Mutual funds run the gambit from money market (money market mutual fund) to bonds to stocks, and they vary quite a bit on management ("index" or "passively managed" to "actively managed"), and they vary quite a bit on expenses and loads. They also vary quite a bit in how diverse they are, from "focused" stock funds (investing in, say, only 10 individual stocks) to very broadly diversified stock funds (e.g., a "Wilshire 5000" or "Total Stock Market" fund that invest in a variety of stocks sampled from across the various industries and capitalizations to mimic the overall return of the domestic stock market).

So I, for one, am uncomfortable making comments without knowing exactly what your "mutual fund" invests in.
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