so I have about 40K in savings and im thinking of investing that in a ROTH IRA but I really have no idea where to start.
1. what companies would you recomend ?
2. how would I even go about choosing how to invest in a Roth IRA?
im afraid to say im very new to this and just need a little guidence
The sub loves Vanguard, Fidelity, and Schwab, in no particular order. I like all of those and also think E*Trade is pretty good.
A Roth IRA is a bucket that you can put investments in. The nature of the bucket is that you will use money that you have already paid income tax on. Someday when you are retired you can take money out of that bucket (after it has grown) you will not pay taxes on the growth. This is a nice feature.
Selecting what to invest in is the subject of many holy-wars on investing subreddits. Just remember in the realm of investing it’s better to be wise than smart. Make long-term investments that you’re comfortable sticking with. Diversification is wise. Folks here tend to nit-pick about expense ratios but if it’s under .20 it’s probably fine. Better to pick a good investment at .10 than a bad investment at .05. If you stick with ETFs from Schwab, Vanguard or iShares it’s probably fine.
1. Vanguard, Fidelity, or Schwab are all great.
2. A target date **index** fund from one of those brokerages, or a [three-fund portfolio](https://www.bogleheads.org/wiki/Three-fund_portfolio) of US + International + Bonds appropriate to your age.
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