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I have a ira roth in a bank for one year. Iam wandering if I should move it to another type of account. See I do not it . If tne bank is giving me 4.50% do they go 4.50% on 2000 for a year and start over next . Or do they compoand what they had last with this year? I want to move it to a account in e-trade. I thank that I could do much better with a index fund But I know I'll have to pay a penalty but want it be worth it in the long run. Please help

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