The stock market has stood as the traditional investor choice for long-term growth, but it has been a very unsteady market for several years with no expectation that it can stabilize quickly. Gains in the market have been no more than 8% for over five years, so if your retirement funds were invested in the stock market you have probably lost at least 20%. Bank certificates of deposit are paying 4% and not expected to top 5% over the next twenty years . Think about how long it could take to recover your losses if you don’t change the way you are investing. And that’s without factoring what inflation will do to your money. So what should you do? The biggest rates of return in retirement funds are being made by individuals with self directed IRAs, and the ideal self directed choice might be the best Roth IRA. The best performing investments right now are real estate, with some sectors still delivering solid gains. You may possibly see a 30% return on your money this year. Prior to opening a self directed best Roth IRA select a custodian who provides non-traditional investments and has experience handling them. Ask about the fee schedule for account maintenance and transactions, so there are no misunderstandings when you start investing. Remember that when you take distributions from the best Roth IRA they are tax free, and you are not forced to take those distributions at a specific age. As long as you meet the Roth income levels, you can continue contributing to and investing with your best Roth IRA. Some individuals don’t need to live off the income from their retirement account, and for those individuals the best Roth IRA can be a legacy asset for their heirs. In the current economic environment, selecting the best Roth IRA can be a smart strategy for safely and quickly building your retirement riches.