No. of Recommendations: 2
Wall Street's business model assumes that they skim an average of 2.00% per year from their customers. Over 30 years, that means they've taken half your money.

I think SWPPX with an expense ratio of 0.03% makes a lot of sense.

That doesn't answer his question. He asked Roth IRA or regular account. I'd suggest Roth IRA unless he was saving for something where he wanted to spend it all (original contribution plus earnings). Otherwise if he used a Roth IRA, he can still withdraw his original contribution amount without penalty before age 59.5.

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