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roths are the best way, pay taxes in, not out. So any gains are untaxed. Use dollar cost averaging if you're scairt, otherwise, find a good stock. The ones that worked in the past for me are BAIDU, FB, V, a couple more, right now I have a lot in BABA, it's down 8% from my buy in price, but I think Chinese stocks are about the most promising out there, YMMV
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