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So, if you want your Roth IRA, for example, to mean anything, you'll have to feed it cash, stocks, funds, etc. usually on a regular basis and then watch the compounding of your inputs and their resulting dividends, interest, etc. work it's magic.

Tax considerations are a significant part of these vehicles as well.

Here's a little rundown on the Roth IRA:

I hope that this helps you understand a little bit better.


Or, you could just make it easy on yourself and go to a well-respected mutual fund company (like Vanguard) and open a Roth IRA by choosing one of their funds. Voila! You're finished! Go fishing.

But do check back. One should always keep an eye on their investments -- even when they are with well-respected mutual funds. ;o)

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