Buy and hold shares of a 2060 or 2065 Target Date Fund offered by Vanguard, T. Rowe Price or Fidelity. Attempting to pick the 'best' managed mutual fund or individual stock is a fools errand.You don't mention it, but you need to have earned at least the amount of your annual IRA contribution as wages from employment or self employment...or be married to someone who does.BruceM
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