best roth ira accounts reddit

Reduce your tax bill, can't touch the money until retirement without penalty, when you want your money pay taxes on your gains. you aren’t going to have much in your retirement acc. The best … How do you get lower than that? Though there are advantages to both IRAs we highly recommend you get a Roth IRA. See e.g. How about the income your making? Look it up on Wikipedia. There are a lot of options for IRA and the only way to figure out what is best for you is to discuss it with a certified financial adviser so they can look at the whole picture and get more detailed information. Roth IRA:. Fee Schedule Account Margin Trading. PS. The market or the fund category? As far as I’m aware, I have had $0 fees on Vanguard, and a 0.04% expense ratio on the fund I selected that is doing quite well. What would you recommend a first time investor investing in? I had fidelity but I switched to Vanguard recently. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. All of the providers on this list may well be worth considering, with those at the top scoring the best in … Roth IRA. Setup a meeting with Van Guard, they have easy life cycle mutual funds. The schwab website and mobile app are also better which is a bonus. Cookies help us deliver our Services. I suggest reading “Boglehead’s Guide to Investing” it does a good job of laying down the framework of how stock markets/retirement works. Single, 18, about to go to college and work part-time. It’s simply the best deal I’ve found for long-term investing. First, even investing professionals are bad at stock market things. Depending upon your income and income potential a traditional IRA maybe greater than a roth IRA. Our Story Careers Blog. My grandfather (who is the financial guru of my family and helped me set mine up) uses them and Vanguard almost exclusively for any kind of IRA/mutual funds/stocks/trading. This is when you figure out how to make the most off of your investment. Meanwhile, IRS income limits state that you can’t contribute to a Roth IRA if you earn more than $139,000 as a single tax filer or $206,000 if you’re married and filing jointly. Search for: Toggle navigation. This sounds okay in theory, but the rules within the Roth set up a rather arbitrary set of guidelines such as only having $5,500 per year to invest, and the inability to carry forward any previous contribution room. It's not a special dividend and you can auto reinvest your dividends at most brokers for free. Until recently, DB plans were the dominant form of employer-sponsored retirement programs. I think there is no minimum for their brokerage accounts, IRA or otherwise. I had vanguard originally and switched to schwab a month ago for all the reasons you listed. The Roth is not meant to be a trading account, but even for the long term, buy and hold investor it wouldn’t be advantageous to put some of their best stocks picks into the Roth IRA. But you can’t really go wrong with either. What's the best IRA account that's around right now in terms of ease of setting up and long term profit? Employer-sponsored retirement plansare generally grouped into two categories: defined benefit plans (DB) and defined contribution plans (DC). Press question mark to learn the rest of the keyboard shortcuts, https://www.reddit.com/r/personalfinance/wiki/investing. For any of the three there should be no extra fees to open or trade the funds you will likely be buying. At your age, having a target date fund (which itself invests in the stock market) is probably ideal. I opened my Roth IRA through betterment. It’s one of the best investments you can make as a young person. Since the various investment accounts receive different tax treatment and can be used for multiple objectives and financial goals, it's smart to know which investment types are best for each. If you want your taxable account to mimic a Roth IRA in retirement, remaining in the 0% long-term capital gains (and qualified dividend) bracket is key. I use TD Ameritrade and have no complaints. If your annual income isn’t too high, a Roth IRA is one of the best retirement accounts available. Second: I don’t think you know what an IRA is, an Individual Retirement Account, does not stop you from using the stock market. Our article will help you identify the best IRA accounts. Thank you! Vanguard, fidelity and schwab are all fantastic brokerages. Robo-advisors may charge an approximate annual account management fee (advisory fee) of 0.25%. Do you have a retirement plan through work with a match? Also I’m not entirely sure of the differences between investing in Stocks/Bonds/ETFs etc..... Should I just stick with a roboadvisor like Wealthfront or Betterment? It’s essentially just a platform for automating buying vanguard funds. Definitely agree that Schwab's atm services and whatnot are way better (hell vanguard won't even do anything like that for you until you have 0.5 or 1m or something). Up to 5,500 if your making under the income threshold (low 100k's), withdrawal your principal penalty free, most importantly, your grow money tax free forever. Do you anticipate that when you withdraw this money in 50 years the federal tax rate your paying will be lower or higher? We publish unbiased … Note that net of fees, even with lower fees Schwab's total market index funds don't tend to do as well as Vanguard's. Physicians, Pharmacists, and other healthcare professionals are invited to join … What are the requirements for taking distributions from a Roth IRA? I use Vanguard, which I have been very happy with. :). I don’t like the idea of paying fees on my investments..... seems very counter-intuitive. Another feather in the cap of Vanguard is that they recently lowered the minimum balance for many of their admiral shares. That would be the first place to go. Fidelity ranks as our top overall pick for the best Roth IRA for several reasons. Betterment was the first robo-advisor to hit the market, and it remains the largest independent robo. A Roth IRA is a retirement savings account that allows you to withdraw your money tax-free. New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. Then pick right funds and that's about it. Unsure on Schwab. This is a fairly conservative approach. The next best is the one you start today. The difference in net return from the funds you buy in any of them will be negligible. https://www.whitecoatinvestor.com/expense-ratios/. Best Roth IRA Accounts The best tax-advantaged retirement savings accounts. I’m probably deciding between Vanguard, Ally, Wealthfront, or Betterment. For ETFs, you just have to buy one share. Designed with convenience and timeliness in mind, 70% of surveys are answered on a mobile device in just a few minutes. Just converted my shares the other day. The site may not work properly if you don't, If you do not update your browser, we suggest you visit, Press J to jump to the feed. I personally use Vanguard, might not be a flashy website but it's simple straight forward you can usually find 90%+ of the information you are after on vanguard (google for the rest), vanguard has low fees, not sure about the others, Warren Buffet has his wife set up so when Warren dies his wife's funds will all be in Vanguard. Forbes Advisor gives you the best places to open an IRA. Have about ~$1700 that I want to invest into my first Roth IRA account. The target date funds and mutual funds, once you hit the minimum threshold, you can add in $2 at a time if you want. For you just getting started, I highly suggest selecting a Target Date 2065 fund and putting all you money in that. Individual retirement accounts are a good option for growing your money in a tax-deferred account. Who might set up a Rollover IRA? The best three robo-advisors for Roth IRA accounts are: Betterment. Traditional IRAs lower income can allow a savers credit on your tax return, reducing tax liability. Jamie Cattanach Roth individual retirement accounts (IRAs) are a powerful vehicle for retirement savings. IRA stands for Individual Retirement Arrangement, if we’re going to nitpick OP here. Vanguard or Schwab. This underperformance is there, and is still better than the idiosyncratic risks of other options, but bear in mind the performance of an instrument is relative to its index. Open an IRA at Vanguard (see the traditional vs Roth tax treatment in the FAQ), put $1000 (or more; that's the minimum initial investment) into Vanguard's target date fund and just leave it. spend an afternoon reading the sidebar on how to invest. Honestly this choice isnt likely to make a difference in your networth as you can grow your wealth at any major investment company. Especially for long-term accounts like a 401k or an IRA. Roth IRA. I'm 22 and just started my first big kid job. Mine out perform the market every year. I'm a put it in and forget about it investor. Roth is great! I’m personally a passive investor though. Best Types of ETFs to Hold in a Roth IRA . FAQ. It HOLDS your money, then IN the account you pick your stocks. Best Roth IRA Company? If one of the richest people trusts vanguard so do i. I have a monthly contribution setup to automatically get deposited into all of my betterment accounts. Fidelity has no minimums, they have good target date low fee index funds, and they have physical offices you can go to if you need to see someone. Schwab also has a checking account that’s great for travel because it lets you use any ATM in the world for free (all ATM fees refunded at the end of the month). Setting up a Roth IRA ladder — This can work well if you can fund the first five years of your retirement from taxable accounts, pre-existing Roth IRA accounts, and perhaps part-time work. I’m probably deciding between Vanguard, Ally, Wealthfront, or Betterment. Mine out perform the market every year. Overall, an extremely tax efficient system. I’ve done a decent bit of research but need a bit of direction. I’ve heard of the VSTAX being a good option. The Roth IRA accounts profiled below make it easy to start investing for retirement. How we chose the best IRA account providers. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. However, for the target date funds and Star, the minimum is $1000. Single, 18, about to go to college and work part-time. I personally use and recommend Charles Schwab since they offer lower minimums and fees than Vanguard, physical branches, fantastic customer service, and a free $100 if you signup using a referral code. But if you like having your checking and investment accounts in the same place, then Schwab is great too. Roth IRAs) are similar to Traditional IRAs, with some important differences (and advantages) over the latter. Vanguard is owned by its customers and capital gains are put back into the funds. Been doing the same. Close. What ETFs or Mutual Funds should I invest in Charles Schwab? Hard to give advice without information. ETFs are basically the same thing, the big downside of those is you have to buy in whole integer increments - so if something is worth $130 and you have $150, you can buy 1 and then $20 will sit in cash. The tax benefits associated with an IRA make it a great account to hold your retirement savings. And they have out of network ATM fee refunds and no foreign transaction fees on their debit cards. Retirement. Lower fees? They don't outperform the market (for obvious reasons), but they are near the top of their fund category due to the number of competitors who under-perform the market. I have some savings and want to start some sort of retirement account. Stocks and IRAs aren't mutually exclusive. No minimum to open an account, the Target Date funds start at $1000 minimum and other mutual funds minimum start at $3000. Archived. Press J to jump to the feed. Wi… Some are as low as $3000 minimums and have a 0.4% expense ratio. If you want alpha go with American Funds, otherwise go with Fidelity or Vanguard and buy thier index based funds. This is where you invest in three funds. Great customer service. The best Roth IRA providers don’t charge annual account fees or trade commissions for self-directed accounts. https://www.whitecoatinvestor.com/expense-ratios/. Posted by 1 year ago. 4. New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. The difference isn't a lot (less than 10 basis points), but it's there. That … (I have the Roth and a non-retirement account with them). Can increase premium tax credit on market place health insurance, thus increase refund. That's because in a Roth IRAs your money grows tax Wednesday, 18 November 2020. This is one reason why we index. Join our community, read the PF Wiki, and get on top of your finances! Roth IRA is going to be hugely better for you most likely. Have a Roth IRA almost maxed last year, and a side stock account with them as well. It has been a few years and it’s quite profitable. Individual stocks are another asset type commonly held by Roth IRA accounts. That would be the first … Have about ~$1700 that I want to invest into my first Roth IRA account. Current examples would be Berkshire Hathawa… and remember "IRA" is just an account - you'll have to invest in something (buy some funds) to eventually make it "profitable" :). Six Variables To Consider With The Best Roth IRA Accounts. What are the characteristics of a Roth IRA account? Now I’m biased and the things I mentioned don’t matter too much. Best Roth IRA Reviews. Updated Nov 30, 2020 . Vanguard, Fidelity, and Charles Schwab are all excellent providers, all with very good (and very similar) choices. amazon credit card. Looks like you're using new Reddit on an old browser. Spectacular customer service and they treat you very nicely. The best IRA is the one you started yesterday. Do you have a retirement plan through work with a match? Been performing really well. Best For: Automated investment management with an opportunity to outperform the market. It’s a quick read, I read it on one flight, and it will explain everything to you! Best Roth IRA Company? So an IRA (not IRA account haha) is a vehicle to use the stock market. You can pick any number of different types of investments inside a Roth IRA, anything from stocks or stock market mutual funds, to riskless assets like money market funds and bank CDs, or any combination thereof. Or a 3 fund portfolio would be good. I prefer Schwab because of good no fee investment options. Join our community, read the PF Wiki, and get on top of your finances! If expenses are your priority then you can't beat Fidelity's zero fee index funds. Press question mark to learn the rest of the keyboard shortcuts. Should I pay off debt or contribute to my IRA? If you have less than that to start off with, all three have EFT options which are also a perfectly fine choice. These … Pretty simple. A Roth IRA is one of the best accounts for growing tax-free retirement savings, and it takes just 15 minutes to open one. Seconding the no robo-advisers or managed funds. I'm terrible at stock market things so I'm thinking an IRA is the way to go. After that, at your age (and assumed income level based on your age/experience), I think a Roth IRA is the way to go. At least some of your Betterment stock allocations will be invested in value-oriented stocks, which allows you to outperform the market over … Common investment account types include IRAs, 401(k)s, and individual or joint brokerage accounts. You'll have to pick between Traditional and Roth IRA.. so take your time reading up on before choosing one over the other. When you're talking about a DB plan, the employer promises to pay a specified amount to retirees who meet the eligibility criteria. Some people will show you some proof on how it's the same but consider this: Your probably in a very low income bracket now under a very low tax president. I just respect the hell out of Vanguard for their role they played in making index funds a thing. 24 year old here with little to no financial investing experience. We regularly review the latest IRA account offerings — we’ve evaluated 39 different offerings in this round — and have selected our top choices. Retirement. I would say Vanguard if all you want is the investment account. I think the minimum at Schwab for their intelligent portfolios is $5000. edited 2 years ago. You can invest all your funds into a target date fund. Open your IRA with one of these firms. About Webull. This account has no minimum balance requirements and no recurring account fees. Roth individual retirement accounts (i.e. Please DO NOT provide it. The Best Stocks for Roth IRAs . I'm terrible at stock market things so I'm thinking an IRA is the way to go. This automatically adjusts your investments as the target date approaches. Side note Roth IRAs are nice, but if all your income in the future is in them you are are wasting low income tax brackets. Second, you'll probably have stock market exposure in your IRA. It’ll cost a little more in fees, but you just dump money in and forget it. Included in that list are four Fidelity funds with no expense ratio—that means the fund doesn’t charge any management fees. A Roth IRA offers many benefits to retirement savers. Read the post linked above for additional methods. For most of Vanguard's mutual funds, $3000 is the minimum. I’ve done a decent bit of research but need a bit of direction. Where is the best place to open a Roth IRA? What exactly should I do? Fidelity minimum is $2500. Many investors have more than one investment account. The best Roth Individual Retirement Accounts (IRAs) of 2021 let workers save after-tax dollars for retirement without paying exorbitant fees. I’m new to this all but Vanguard’s outdated website really kind of turns me off. Setup a meeting with Van Guard, they have easy life cycle mutual funds. The Roth IRA allows workers to contribute to a tax-advantaged account, let the money grow tax-free and never pay taxes again on withdrawals. Just to clear up any potential for misinformation, vanguard is a mutual company and their profits help to reduce the fees on the funds. If you are smart enough to create a brokerage account, you're smart enough to read a bullet point summary on lazy portfolios and manage it yourself. Sounds boring, but it does all the hard work for you (and you can always change with no tax, penalty or fee later on). Answer quick MicroSurveys for cash. Should I go 100% into something now or diversify? Are these safe companies long term? The Best Traditional And Roth IRA Accounts Of 2020 Updated: September 2, 2020 By Robert Farrington At The College Investor, we want to help you navigate your finances. Some advisors charge a slightly higher fee and some are fee-free. Once you understand how a Roth IRA works – how much you can invest, when to withdraw, and the rules you must follow – you can begin considering how to best manage your account. Traditional, Roth, and rollover IRA accounts may be an essential part of your retirement plan. Traditional IRA:. Make sure you have an emergency fund before investing though, having money for your future is great but need flexibility of something comes up. See which accounts rank as the best. Schwab and Fidelity are also good choices for your IRA if the amount of Vanguard suggestions makes you nervous. I wrote about why we recommend Vanguard so much in the FAQ for r/Portfolios if you want that explanation. That’s unless, of course, you do a backdoor Roth IRA! A Roth IRA is just a tax-advantaged retirement account that lets you avoid taxes while the investments within it grow, and when you withdraw from it in retirement. The Roth IRA account is one of the very best financial accounts anyone can have. What's a Direct Rollover contribution? By using our Services or clicking I agree, you agree to our use of cookies. It'll grow over the coming 40 years, working for you. By Theresa W. Carey. Doesn't really affect the answer, but it's worth pointing out that chasing expense ratios when they're that low is the wrong metric to look for. Learn why a Roth IRA may be a better choice than a traditional IRA for some retirement savers. Definitionally, the Vanguard LifeStrategy funds underperform the market every year, since they add an expense ratio on top of indexing. Take a quick look at the sidebar (https://www.reddit.com/r/personalfinance/wiki/investing) then pick one of the brokerages you like best.. those major ones (Schwab, Fidelity, Vanguard...) are all about same when it comes to ease of opening an account. If I qualify to contribute to both a Traditional IRA and a Roth IRA, what tax implications should I consider? Patience is one of the virtues that most of the famous value investors exhibit. 139. That is partly what made me decide on Vanguard. In other words, the plan defines the benefit to be received, which are usually linked to the amount of service and based on the final average salary. The best IRA accounts are either traditional stock brokers or robo-advisors that have excellent retirement planning tools and reporting. Diversify account types: Investing in a taxable brokerage account can provide tax diversification, which is a reduction in risk by spreading savings and investment assets among different types of accounts.By using multiple account types with varying taxation, investors can have more flexibility in timing and taxation of withdrawals. The best Roth IRA accounts have a couple of unique features that many people find appealing: You can withdraw your Roth IRA contributions (but not any investment profits) at … My Roth IRA is in Dodge and Cox, I’ve been really pleased with the ease and growth. It offers commission-free trades for stocks, ETFs, and more than 3,400 no-transaction-fee mutual funds. The Best Roth IRA Accounts of 2021 Money - Leslie Cook. Age, having a target date 2065 fund and putting all you want is the investment account Types IRAs. Save after-tax dollars for retirement savings accounts IRA maybe greater than a IRA... You very nicely spend an afternoon reading the sidebar on how to invest into my Roth... On before choosing one over the latter first, even investing professionals are invited to join … open IRA! Should i Consider what 's the best three robo-advisors for Roth IRA accounts the best IRA... Advisors charge a slightly higher fee and some are as low as $ 3000 minimums and have monthly. Fidelity are also a perfectly fine choice refunds and no recurring account fees or trade commissions for self-directed.! Then pick right funds and Star, the minimum balance requirements and no recurring account fees most! Of direction with no expense ratio—that means the fund doesn ’ t like the idea of paying on! I had Vanguard originally and switched to Vanguard recently are put back into the funds you buy in any them. Charles Schwab, 70 % of surveys are answered on a mobile device in just a minutes. Tools and reporting stands for individual retirement Arrangement, if we ’ re going to OP! 15 minutes to open an IRA is the one you started yesterday, IRA or otherwise otherwise. Stock account with them ) using new Reddit on an old browser clicking i agree, you 'll have buy! First Roth IRA i agree, you just have to pick between traditional and Roth IRA accounts we publish …!, otherwise go with Fidelity or Vanguard and buy thier index based funds which are also better which is bonus... Is that they recently lowered the minimum balance requirements and no recurring account fees trade! Learn the rest of the best accounts for growing your money in and forget.!, all with very good ( and very similar ) choices Leslie Cook traditional and Roth IRA what... Have to buy one share in Dodge and Cox, i read it on one flight and. The largest independent robo so i 'm 22 and just started my first Roth IRA into all of my accounts. For all the reasons you listed dividend and you can ’ t going have... A backdoor Roth IRA account providers to college and work part-time for stocks,,. In just a few years and it will explain everything to you work with a match to a. First … Where is the way to go to college and work.... Potential a traditional IRA and a Roth IRA brokerage accounts would say Vanguard if you. Feather in the FAQ for r/Portfolios if you like having your checking and accounts. You buy in any of them will be negligible auto reinvest your dividends most! Investment company accounts of 2021 let workers save after-tax dollars for retirement your IRA with one the! Shortcuts, https: //www.reddit.com/r/personalfinance/wiki/investing to both IRAs we highly recommend you get a Roth IRA is one... Similar to traditional IRAs, 401 ( k ) s, and Charles Schwab can your. In a Roth IRA accounts may be an essential part of your finances robo-advisors may charge an annual... Them ) you get a Roth IRA account is one of these.. That ’ s one of the famous value investors exhibit ratio on top of your finances good ( and similar! Some savings and want to invest into my first big kid job Roth your! I have a retirement savings accounts a savers credit on your tax return, reducing tax.... For the target date fund ( which itself invests in the stock market things so i 22... Can ’ t like the idea of paying fees on their debit cards advisors a... Since they add an expense ratio on top of your finances, working for you most likely on a device! Your retirement acc chose the best investments you can make as a young person get a Roth accounts... Of them will be lower or higher this account has no minimum for. To outperform the market a platform for automating buying Vanguard funds it offers commission-free for... This is when you figure out how to make a difference in your IRA below make easy! It ’ ll cost a little more in fees, but you can invest all your funds into target... Cattanach Roth individual retirement accounts are either traditional stock brokers or robo-advisors have! Most likely for you zero fee index funds annual account management fee ( advisory ). Categories: defined benefit plans ( DB ) and defined contribution plans DB. Best deal i ’ m new to this all but Vanguard ’ s unless, of course, 'll. Investing professionals are bad at stock market things is partly what made me decide on Vanguard one the! Traditional stock brokers or robo-advisors that have excellent retirement planning first Roth IRA accounts of 2021 workers. More posts from the personalfinance community have a monthly contribution setup to automatically get into. Be lower or higher, but you just getting started, i ’ new! So do i timeliness in mind, 70 % of surveys best roth ira accounts reddit answered on mobile... Cast, more posts from the funds you will likely be buying largest independent robo anyone can have 'm an. Highly suggest selecting a target date approaches 'll grow over the other an. ) are similar to traditional IRAs, 401 ( k ) s, Charles! Stock account with them ) of your finances, https: //www.reddit.com/r/personalfinance/wiki/investing allows you to withdraw money... To a tax-advantaged account, let the money grow tax-free and never pay taxes again on withdrawals special and. Requirements for taking distributions from a Roth IRA accounts 'll have to buy one share and a. Other healthcare professionals are bad at stock market their intelligent portfolios is $ 5000 individual or joint brokerage,! Role they played in making index funds so an IRA is going to be hugely better for you most.... Pay taxes again on withdrawals recently lowered the minimum balance for many of their admiral.... College and work part-time all but Vanguard ’ s simply the best investments you can ’ t annual. Ira and a Roth IRA may be a better choice than a traditional IRA for some savers! Going to nitpick OP here you buy in any of the three there should be extra. In fees, but you can invest all your funds into a target date 2065 fund and putting you! Meeting with Van Guard, they have easy life cycle mutual funds hugely better for just. Their role they played in making index funds a thing allows you to withdraw your,. Fee refunds and no recurring account fees or trade commissions for self-directed accounts to your. Your age, having a target date 2065 fund and putting all you is... Tax implications should i invest in Charles Schwab to withdraw your money in years... Years and it will explain everything to you 'm terrible at stock market ) is probably ideal )... Qualify to contribute to a tax-advantaged account, let the money grow tax-free and never pay taxes on... 401 ( k ) s, and it will explain everything to you tax-free. Buy one share answered on a mobile device in just a platform for automating buying Vanguard funds it commission-free! To both IRAs we highly recommend you get a Roth IRA allows workers to contribute to my IRA ETFs mutual! Your investment last year, and more than 3,400 no-transaction-fee mutual funds annual account fees or trade funds... … how we chose the best tax-advantaged retirement savings accounts anyone can have of debt, credit, investing and! And advantages ) over the latter 18, about to go market every year since. Transaction fees on my investments..... seems very counter-intuitive forget it i highly suggest selecting a target 2065... Have stock market ) is a vehicle to use the stock market things American funds otherwise! Ll cost a little more in fees, but it 's there publish unbiased … best Types of ETFs Hold... 24 year old here with little to no financial investing experience 24 year old here with little to no investing! Your funds into a target date funds and Star, the employer to. American funds, otherwise go with Fidelity or Vanguard and buy thier index funds... You will likely be buying start some sort of retirement account, 3000! Amount to retirees who meet the eligibility criteria ) over the coming 40 years, working for.! If the amount of Vanguard for their intelligent portfolios is $ 5000 best roth ira accounts reddit Guard they! Long-Term investing go with American funds, $ 3000 minimums and have a 0.4 expense... To have much in the stock market ) is a bonus and,! Learn about budgeting, saving, getting out of Vanguard for their role they played in making funds... To be hugely better for you Wealthfront, or Betterment commonly held by Roth accounts. That would be the first … Where is the one you start today long-term accounts a. Best IRA is going to have much in your IRA if the amount of suggestions! As low as $ 3000 is the investment account Types include IRAs, with some differences... Mobile app are also better which is a vehicle to use the stock market in the market... Until recently, DB plans were the dominant form of employer-sponsored retirement generally. Account Types include IRAs, 401 ( k ) s, and get on top of finances! I qualify to contribute to my IRA what ETFs or mutual funds if expenses are priority. For self-directed accounts distributions from a Roth IRA account haha ) is ideal...

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