Info for U.S. Webmaster that are making money
 

If you don't have a Roth IRA yet get one before the end of the year. It's one of the best thing the government did for us.:2 cents:

sounds good to me, but what would you have it in for a good return?

Put as much as you can.:2 cents:

For 2014 and 2015, your total contributions to all of your traditional and Roth IRAs cannot be more than:
$5,500 ($6,500 if you?re age 50 or older), or
your taxable compensation for the year, if your compensation was less than this dollar limit.

Retirement Topics - IRA Contribution Limits

it depends on how much money you make

I hear you, but what can the Roth IRA be invested in? Mutual funds, bonds, etc. for the best return?

Someone recommended I look into this fund, and reinvest all dividends that are paid out monthly. https://fundsus.deutscheawm.com/EN/p...sp?fund-key=18

This will be a short thread.

Put my max in a few weeks ago..

True there is a cap, but you can still make partial contributions.

I was thinking more along the lines of people who make more money in the biz where putting away 5k annual is really not doing you much. I have a 401k that allows me to contribute far more than the 5k a Roth allows and it is also tax differed.

I max my 401K and max a Roth IRA as well. If you need a quick $10k just go to you Roth IRA sell some stocks and there you go. If someone only has a 401K they can only borrow money.