BEST ROTH IRA INVESTMENTS // 3 ways to become a tax-free millionaire. I break down 3 basic investing strategies for your Roth IRA. Look no further to learn about Roth IRA investment options, Roth IRA investing for beginners, and the best way to invest your Roth IRA. Choosing Roth IRA investments all starts with understanding your options and then choosing the best option for YOU. Roth IRA investing should be growth-focused. In other words, your Roth IRA should have a large allocation to stocks. Watch the video for some ideas on how to invest your Roth IRA in stocks.
This video gives a framework for choosing Roth IRA investments and determining the best Roth IRA investment strategy that is appropriate for you.
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***FREE DOWNLOAD: ROTH IRA INVESTING STARTER KIT
The Ultimate Guide to Becoming a Tax-Free Millionaire
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***BOOKS I RECOMMEND***
I Will Teach You to Be Rich (hilarious how-to book on personal finance for millennials)
The Little Book of Common Sense Investing (Jack Bogle’s classic advice on index funds)
InvestED (step-by-step, millennial-friendly advice on how to pick stocks like Warren Buffett)
Unshakeable (this book = courage. blast ALL the fears & misconceptions you have about investing)
Rich Dad Poor Dad (#1 selling personal finance book of all time… need I say more?)
Think and Grow Rich (the ultimate book on money mindset and wealth consciousness)
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DISCLAIMERS & DISCLOSURES ❤
This content is for education and entertainment purposes only. Rose does not provide tax or investment advice. The information is being presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor and might not be suitable for all investors. Past performance is not indicative of future results. All investing involves risk, including the possible loss of principal.
This description contains affiliate links that allow you to find the items mentioned in this video and support the channel at no cost to you. Investing With Rose is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to www.amazon.com. Thank you for your support!
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I read his book and he does talk and really suggested TDF, but you really don’t have much control of your portfolio with a TDF. That’s why I stick with index funds so I can choose which ones are the best for me and a little bit of stocks if I have extra cash to invest.
My left ear enjoyed this informative video.
Ok,let's say someone invested in Target Date Fund's, Q: when it comes to pull/cash out the T.D.F,how would one do so?
Any of these Fund's actually?
I tried to download the kit but it gives me an error.
You can trade options in your Roth IRA. Your rate of return is typically higher than the market. You can sell covered calls or credit spreads.
You’d have to be insane to put that much of your savings into international and emerging markets. There is almost no scenario where the US markets go bad and international markets as a whole (specific countries aside) significantly outperform it over a long period of time. US corporations are a massive part of the global economy and most countries rely on the US economy and government for economic stability. It all would go bad. 100 years from now it’s possible crazy events could decouple the US from the success of the global economy, but not any time soon.
Question: is a Foreign Tax applied if I hold an Individual Foreign Stock in my Roth IRA?
And if so, when?
Does the David Swenson allocation change over time based on age at all?
I found you a little late and the link to the starter kit is expired. Do you have a new link? Thank you very much.
im into dividends and I wondering what would be tax-free in the future for a dividends person didn't want taxs in future Roth IRA or Roth
Good video! Got the starter kit. Target date funds sounds awesome. I'll have to research more on bonds. Good stuff.
Do I have to have a paid account with Moringstar to have access to all the data you suggest having to determine which stock? Thank you!
Hello! I could not find the link to your Roth IRA starter kit…
Thank you, Rose. You are really the best personal finance instructor in Youtube.
one correction…not all target date funds are target date "index" funds. you said a TD fund is a fund that has 3-4 index funds in it. some (like Vanguard or Fidelty) have an index fund composition, others are composed of actively managed funds. so it's important to find the ones that use index funds. otherwise, great content!
Thanks for being my starting point!
target date funds have underperforming mutual funds. You would be better off with an ETF that tracks the S and P, dow or nasdaq. You can even get 3x leverage ETFs.
Love your channel and enthusiasm but do you only advise millennials? Am retired at 68. Sold an expensive house, paid off all debt, rent a condo and live on 1/3 previous expenses. Wife still works with a sizeable 401K that all raises and bonus get plowed back into. I rolled over my IRA into a TD Ameritrade traditional IRA roll over account and now need to invest its $14K. What's next?
Hello….I just turned 50 and I'd like to start a Roth. I'll have a decent pension, so I'm not too worried about retirement. At my age, what would you reccomend that I buy on a weekly or monthly basis?
No etfs?? Is there a limit in how much you can invest in a target date fund?
Hi Rose. Thanks for your video. I am living abroad, but do have some taxable income generated from my designated beneficiary account with Charles Schwab. My Roth IRA is also in a Schwab intelligent portfolios fund. Recently the taxable amount generated from the designated beneficiary account has always been lower than the standard tax deductions when filing, so I have not been paying any taxes. But because I do show some adjusted gross income, I would like to know if I am allowed to put that amount up to the maximum Roth IRA limit into my Roth IRA. Thank you for your help. All the best. Erik
Hello,
I have a question does Target index fund is better? I have Roth account then I move funds to the 2045 target index fund. Now if I put some money in the Roth can I take the money out if I buy a house will there is a penalty or fees ? Thanks.
Just get an IUL and you can become a tax free millionaire.
your link dint work
Hi do you feel the same in 2022
ROSE!! I have a Target Date Fund under my employer’s sponsored 403b. Can I toll it over to my Roth IRA?
Awwww, the link doesn't work anymore – This is great info though.
Great video. Just want to say I always love your content. However, I want to push back on the idea of choosing an index fund just based on it having an expense ratio below 0.20. A fund with a high expense ratio may seem expensive but you need to consider it performance. If a fund generally has a better return it may be worth the higher expense ratio. You just have to do you homework. For example, I'd rather buy ARKK over SPY. On any given year, ARKK may overperform or underperform but in the long run, ARKK will blow away any index fund. Ok that last part is just my opinion but the point is look beyond expense ratio to make a decision.
Great info!!! Thanks Rose. You’re awesome