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You would save on commissions by purchasing only two stocks in each account. (You definitely need separate accounts.)

But will you be able to cope with the difference in results between the two accounts?

I happen to have purchased two stocks in each of two new IRAs this year (a traditional for 1997 and a Roth for 1998 -- I haven't yet converted the traditional IRA because it was due to receive rollover funds).

Even though one stock in each account did well and the other didn't, the accounts are not equal now. If the two better performers had been in the same account, the difference would be greater. How would you deal with that?
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