Last night my wife and I set up a Roth IRA for her. I already maxed mine out for this year, so now we can start shoving money into hers, and max it out. I am planning on populating it with ETF’s. Not sure what kind yet. I might buy more IYR (Dow Jones US Real Estate REIT index fund). EEM (MSCI emerging markets fund) has been doing well for me. I have a small cap value fund (IJS), but I am alos looking at a mid cap value fund such as IJJ (S&P mid cap 400/BARRA value iShares). I’ll do more research today.