Apr
The answer to your question depends on your age, your risk tolerance, and how long it might be until you plan to use the money.
Over a long period of time, a Roth IRA invested in a broad market index mutual fund statistically should provide the highest returns.
But most investors will never realize those returns. When the stock market goes down, they tend to take the money out of mutual funds. When the stock market goes up, they feel more comfortable and put the money back in mutual funds. This is a sure-fire way to sell low and buy high.
If you’re unable to leave the money invested over a period of 20-30 years, you might be superior off investing it in a Roth IRA CD. But, you'll have to invest five times as much to get the same total return over time that you might anticipate from the stock market.
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You can invest in a CD within a Roth IRA if that's what you want. “The investment is the cookie; the IRA is just the cookie jar that holds it.”
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CD at good interest…there’s also US SAVING BOND…get the one that is best for your situation.
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