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opening up a roth IRA

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Originally posted by: CTrain
I keep hearing all these damm economists talk about reccession and it makes me want to be safe and just settle for ~6% CDs for my Roths.
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Nah, your retirement investment is something to think of in terms of decades. There will be peaks and dips along the way but just stay calm, buy and hold.

Money put into an IRA just before the dot-com bust is now back in the positive if you put it in something like VFINX (S&P 500 fund). Money put into that same VFINX fund after the crash is way up.

Just keep adding money every year and buying in the dips will even out for buying at the peaks.
 
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