I'm hoping to start a Roth IRA and would appreciate anyone's input. I currently have a 401K plan. My employer does not match, but does provide many fund options, from stable income to high risk. I'm putting most of my payments into the Vanguard S&P 500 fund. But I'd now like to supplement this retirement investment with a Roth IRA. I'm wondering if I should go fairly conservative with the Roth, keeping the 401k plan somewhat higher risk, hoping for greater returns. Or vice- versa. As a Statefarm Internet Bank customer, I'm considering their CD-funded Roth IRA, but it seems their interest rates are kind of low (4% give or take), even for a seemingly "safe" fund. I've another 20 years before I'll be needing the retirment money. I guess my questions boil down to: where is it better to have your higher risk investments, in the pre-tax 401k funds, or the post-tax Roth IRA; and if not Statefarm for a low-risk Roth IRA, then where? Thanks in advance.