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!!!!!!!!!!!!!!!!
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