Remember: your Roth IRA account is just the holding place of your investments. The account is not an investment in itself. Rather, it indicates how the taxes on your investments will be structured.
This means that you can hold virtually any type of investment in your Roth IRA. Once you open and put money into your account, you’ll need to decide what that money should be invested in. Experts recommend a mix of mutual funds. They offer low investment minimums, are less risky than single stocks, and are managed by experts who spend their careers studying the market.