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I am 21 and am going to be graduating from college this June. I currently have about $4500 invested in VTI, which is a vanguard index fund. I want to invest about $5000 more. Would it be more wise to set up a roth IRA and max it out for the year, and put the remaining $1000 in the market? Or just dumb the whole $5000 into a mutual fund?
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