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<p>[QUOTE=&quot;claygump, post: 1325948, member: 29689&quot;]Not to get too far off topic but you can have a ROTH and still invest in PM (or just about anything else) via an ETF. It doesn&#039;t have to be in the equity market. The ROTH is simply a nice tax shelter. All gains are TAX free and once you are 59 1/2 you can withdraw the entire fund. You can even pull out $10k tax free towards the purchase of your first home. </p><p>So when you are 20 and in a very low tax bracket you can stick money in the ROTH. Then later chances are you will be in a higher tax bracket and you can pull the money out tax free.[/QUOTE]</p><p><br /></p>

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