 TITLE: What Is a Roth IRA, and Is It Right for Me? CONTENT: How a Roth IRA Works\n--------------------\nA Roth IRA is a type of investment account, which means the money you contribute is invested in stocks, mutual funds, exchange-traded funds or other vehicles. Your investment earnings grow as the market grows, or shrink as the market shrinks. (Your account can also include less risky choices such as cash and bonds, which don't have the same potential for growth.)\nYou'll open a Roth IRA with a bank, credit union or brokerage that will host the account, and you'll choose the type of investments you want to make. Some Roth IRA providers can help you pick investments based on your age and risk tolerance: They may recommend investing more heavily in stocks, for instance, if you're a younger investor who has time to ride out ups and downs in the stock market before retirement. END