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I have been thinking about retiring and have decided that I want to put $100 dollars a month into some form of investment for the next 20 years. Any ideas? IRA, 401k, mutual funds, individual portfolio? I was thinking of perhaps an index fund such as the Vanguard 500 index, because it has a relatively low front-end load of 0.19% I am going to start after new years and if anyone has any comments, they would be greatly appreciated. Thanks in advance.

Brian Laks
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