 TITLE: How to Open an IRA in 3 Easy Steps CONTENT: More Is Better\n--------------\nChoosing, opening and funding an IRA account (or two) takes a bit of research and initiative, but the benefits you receive may go well beyond the dollars you deposit. With a 5% average annual return, a $6,000 investment today could be worth $44,328 in 40 years, even if you never contribute another dime. Then again, once you've opened accounts and set up funding, it's easy to continue growing your savings, which in turn contributes to a more optimistic and realistic outlook on retirement. END