[Fern]

In answer to Terry, no, i think there are ramifications to doing it one way or the other. Taxwise, at least, there would be very different outcomes; for instance, i think i've heard it said that you should invest in all bond funds for tax deferred money and equities for taxable money, or vice versa, i really cant' remember which.

Also, if i treated all the $ as one big pot, it sure would eliminate some redundancies in my taxable/tax-deferred portfolios. I don't have the exact same funds in each, but do have some that are duplicated becus the performance is very good, and i have all the $ in one fund family.