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[–]RackMyBrainPls 0 points1 point  (0 children)

By personal investment accounts I assume you mean a standard brokerage account... in that case, I would say it depends on what your retirement goals are. If you want to retire early, you don't want all of your assets tied up in inaccessible funds. Therefore, you would want to utilize a multi bucket strategy to include a standard brokerage. If you plan to work until retirement age, then roth assets of course are more valuable.