I opened a SEP IRA for my wife on advice from my accountant because she was a contractor for a few months before finding a permanant position. There is a high likelihood we will never touch this account again (ie: no regular contributions, assuming she wont be a contractor again) Thus I was wondering if anyone here had any ideas as to the best investment vehicle to put this money into? With such a small principal, transaction costs are a huge factor (this is @TDA).. I was considering dividend stocks, but im going to have small amounts of cash sitting around that I wont be able to do anything with. Maybe a few shares of a growth stock? Use it for speculation? we're both in our mid 30s and we've already got a decent IRA/Roth IRA (ive been contributing maximum since college), so it wont be sorely missed if I speculate it to zero (it will be like uncle sam funding my investing) Thoughts welcome!