How To Choose Investments For Your Roth IRA
Humphrey Yang Humphrey Yang
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 Published On May 14, 2021

I go over How to Choose Investments in your Roth IRA categorized by risk level! These are just my opinions on them, I hope you enjoy.

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Timestamps:
0:00 - Starting Zone
0:50 - Format for Today's Video
2:49 - Cash
3:02 - T Bills
3:41 - Bonds
4:08 - Large Cap Stocks
4:42 - REITs
5:23 - ETFs / Target Date Funds
6:24 - Mutual Funds
7:53 - Growth Stocks
9:08 - High Growth ETFs
9:52 - Crypto ETFs
10:28 - Crypto Derivatives
11:38 - Free Stocks

Least Risky:
- Cash - don't be in cash, it loses to inflation

- T Bills - 0.16% interest rate, not good, might be worth it if you're closer to 60, otherwise not the best return at all

- Bonds - safe, but they don't pay well at all anymore

Medium Risk:
- Large Cap Stocks - safer mega caps stocks would be good to hold in your Roth IRA long term

- REITs - good for dividends, can also appreciate long term, gets you exposure to real estate,

- ETFs / Target Date Funds - on average 8% a year with Vanguard funds like VOO.

- Mutual Funds - usually active fund manager, higher fees, often times doesn't beat the VOO index

Higher Risk:
- Growth Stocks - risky, but if you have a high conviction in a few, could be great for your Roth IRA to roll gains into later

- High Growth ETFs - higher expense ratios like ARKK, but could return higher - volatile

- Crypto ETFs - very volatile, must have a good appetite for risk

- Crypto Derivatives - same as above

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PS: I am not a Financial Advisor, any investment commentary are my opinions only. Some of the links in this description are affiliate links that I do receive a commission for.

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