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I am new to this board. I did a search to see if this topic was covered, but did not find much information.

My husband and I plan to start Roths in both our names ASAP. We know that withdrawals are tax free at
59 1/2. The decision we have to make at present is whether or not to fund the Roths with stock from individual companies, or choose some type of mutual fund.

Are we Foolish in thinking that it would be a good idea to fund the Roths with stocks that are not particularly tax efficient (since no taxes will be due at a later date?)

Do most of you with Roths fund them with "safe" stock, or agressive growth stock? Ideally, since no taxes will be due, it would seem great to go with riskier stocks that might generate larger returns (if we choose Wisely.) But, the downside would be that you would risk a penalty for withdrawal at an earlier date if these more volatile stock(s) began to take a dive.

I know a lot of what we do will be based on our tolerance for risk, but am curious to know what some of you have done and how successful your strategy has been?
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