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- A Roth IRA is a retirement account you can use to invest in stocks, bonds, and other securities.
- You fund Roth IRAs with post-tax dollars so you don't pay income tax on retirement age withdrawals.
- Roth IRAs are most advantageous for people who expect to pay higher taxes in the future.
When saving for retirement, you have many options to choose from. There are 401(k)s, 403(b)s, thrift savings plans, and several types of IRAs.