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What is an appropriate Roth IRA interest rate for someone who is prepared to save over a lifetime?

I was wondering what a good Roth IRA interest rate would be for someone who starts saving a retirement fund at 18 years old and retires at 65. I'd put in $200 in a month, but only have it compounded annually.

Financial Planning, IRAs
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June 2017

There is no such things as a fixed interest rate for 47-plus years.  It is a certainty that rates will vary from year to year, and vary widely through the economic cycles that will inevitably occur.  In the past 47 years, short term rates have ranged from zero to over 20%; long term rates have had just as much variability.  I have to mention that you probably should not be investing at age 18 in interest-bearing instruments.  The return is too low and since you have the benefit of a long time, you can take more risk.  Invest in equities instead.  If you own a single bond or bond fund, you are doing yourself a disservice. Good luck.

June 2017
June 2017
June 2017
June 2017