Most people assume that an IRA is a fixed return investment vehicle, but it depends on what you invest your money in.
The max contribution for an IRA for 2009 is $5000. So if you put $5k into a Roth IRA with me. It first goes to money market. Any cash that hits an acct automatically goes to money market. Now you have $5k in your acct to buy whatever you chose. You can buy CD's, mutual funds, or stocks depending on what your risk/return goals are.
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