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<p>[QUOTE=&quot;desertgem, post: 1505382, member: 15199&quot;]Chris can correct me on this, but I don&#039;t remember anything prohibiting multiple IRAs as long as the total limit per year is observed. If your current one is not at your yearly limit, you could start another IRA which allows investments in PM to supplement your employer sponsored one, Do keep matching any free employer contributions, but if it is&nbsp; zero, there is no reason not to put your years contribution into the IRA with the&nbsp; PM account, or some in both.[/QUOTE]</p><p><br /></p>

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