The financial markets are unpredictable animals, it is difficult if not impossible for anyone to try to predict them every year. But what can be done is to analyze the returns of each specific asset class over a long period of time, while this does not guarantee profits to be made every year, it provides color to what to expect over a considerable long period. Keep in mind that the success of a ROTH IRA can only be measured over time, you will have a hard time if you suffer every up and down on the Stock Market. For example, if you were to analyze the stock market and its annual return over the past 30 years, you would find that on average the S&P has yielded almost 12%. If you were to invest in ETFs or mutual funds that track the market this is what you could expect over time. On the other hand, sectors inside the market can yield high double-digit returns when the market is in a rally, so it will really depend on how much risk you are willing to take. REITs Reial Estates Investment Trusts have usually beat the S&P in bull markets, but once they add bearish environments to the average they usually yield in excess of 10% every year. Just like in '08, the prices of real state can tank heavily and this is one of the factors that influence returns over time. Note that in bullish environments prices can easily hike up to 20+ in one year. The Fixed Income Fixed Income market has historically been the go-to option for any investor looking for a constant and stable income. While many individuals only focus on US-backed securities like Treasury Bonds, Treasury Bills, Municipal Bonds, there are many other types of bonds that can easily pay a higher yield like Corporate Debt and even HighYield-Junk bonds. On average Bonds usually, pay up to 5% annually, fair from betting the stock market but the return will be fixed in many cases.