But some experts are altering their advice since Congress created the Roth Individual Retirement Account, which becomes available next year. All withdrawals are tax free. Rather, spread it among stock, bond and fixed-income funds in a way that fits your goals and ability to tolerate risk. The suggested portfolios on this page should help. Many firms explain their investments and have worksheets to help you determine portfolios.
Similar information is available on Internet sites of mutual fund companies.
Re-evaluate every year.