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Are there different way's to set up a ROTH Ira?? I have one thru a credit union and they're saying that I have to buy certificates and keep renewing them somehow. This can't be right!!! You don't pick and
choose were to distribute money in the ROTH much like a 401k or mutual fund do you? They said that the annual rate of return on the ROTH is 4% only thru them.
I think I need help. Please advise. What do financial institution's that have ROTH's, invest the money in for your future?????? HELP!!!!!!!!!!!!!!!!

Your credit union wants your money. They are not in the business of giving good advice. You can have a Roth at any institution that handles IRA's. I have a Roth at Brown & Co, the cheapest discount broker. I have it 100% invested in the RP4 with CAT, DD, COC.B, EK, & IP. Since 3/8/99 I am up 19.48%. So far I spent $20 in commissions and $25 for the COC.B spinoff from DuPont. My wifes Roth is a Vanguard (VFINX) because her's is not large enough yet to cover the commisions. It costs $10 a year to maintain her account. I will probably move her's to Brown or Scottrade next year after 2000's contribution.

Shop around, you can do much, much better.

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