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The Complete Idiot's Guide® To Protecting Your 401(k) and IRA by Bill Lane, Jennifer Lane

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Allocate Around a “Bad” Account

One of the challenges of managing retirement accounts is that their special tax rules make them less flexible and harder to change than nonretirement accounts. Your plan at work is probably the least flexible of all, especially if it’s provided by just one investment house with a limited array of investment options. Because deposits into retirement accounts are capped each year, it’s doubly important to make sure the investments you’re using are reasonably priced and are good choices considering your asset allocation target. Often, you’ll need to make investment choices in the accounts you have the most control over—your personal IRAs and your nonretirement accounts—to make up for weaknesses in your work plan ...

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