Why do you not 1. Consider starting a Traditional IRA in addition to the Roth, and 2. Consider investing in high-quality dividend paying individual stocks and let the dividends accumulate tax-deferred in the account until you are age sixty-five?

BTW, I ONLY invest in individual company stock no Mutual Funds ever at all, except the Mutual Fund I once managed.

Kahuna, CFA
Investment Professional
1974 - Present