How to Invest in a Roth IRA--A Beginner's Guide

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A Roth IRA is arguably the single best way to save for retirement. One question I receive frequently is how to invest in an IRA. And specifically, is a 3-fund portfolio a sound approach to investing in an IRA. The short answer is that it's an excellent approach for beginners just starting out.

There is one situation, however, where I would make an adjustment. If you also have traditional retirement accounts, I would use them for the bond allocation, reserving the Roth IRA for stock ETFs and mutual funds.

Resources mentioned in this video--

IRS Publication 590-B: https://www.irs.gov/publications/p590b
3-Fund Portfolio: https://go.robberger.com/3-fund-portf...
4-Fund Portfolio: https://go.robberger.com/4-fund-portf...
5-Fund Portfolio: https://go.robberger.com/5-fund-portf...
6-Fund Portfolio: https://go.robberger.com/6-fund-portf...

Investing Tools & Resources

📚 My Book (Retire Before Mom and Dad): https://amzn.to/2MsRJ9B
📈 Personal Capital (Investment Tracking): https://go.robberger.com/empower/yt-
⛱ New Retirement: https://go.robberger.com/new-retireme...
💰 M1 Finance $30 Bonus (IRA & Taxable Accounts): https://go.robberger.com/m1finance-bo...
📊 Morningstar (Fund Research): https://go.robberger.com/morningstar/yt-
💵 Tiller (Budgeting): https://go.robberger.com/tiller/yt-
🏆 Best Investment Tracking Apps: https://bit.ly/3wSbKZa

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ABOUT ME

While still working as a trial attorney in the securities field, I started writing about personal finance and investing In 2007. In 2013 I started the Doughroller Money Podcast, which has been downloaded millions of times. Today I'm the Deputy Editor of Forbes Advisor, managing a growing team of editors and writers that produce content to help readers make the most of their money.

I'm also the author of Retire Before Mom and Dad--The Simple Numbers Behind a Lifetime of Financial Freedom (https://amzn.to/3by10EE)

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DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. Your investment and other financial decisions are solely your responsibility. It is imperative that you conduct your own research and seek professional advice as necessary. I am merely sharing my opinions.

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