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I work for a small startup with retirement plan. I just move 10% of my monthly income into a Roth.

The harder question now is what to invest the Roth in? CDs are terrible, T-bills would require like a 5 year investment to see decent return... index funds? I'm stumped here and my old CDs are about to come up soon.

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If it's in a roth account, isn't your investment horizon decades away (assuming you're not already in your 50's)? Why is "a 5 year investment to see a decent return" a negative?

Index funds seem like a good bet for a Roth IRA, imop. Very small management fees and they mimic the market wich traditional yields about 8% in the long term... or so I've heard.

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