Traditional or Roth IRA: Find out which IRA is better-suited for high-return investments

5 min read

Many retirement savers fund both a traditional IRA and a Roth IRA. But deciding on the best investment approach for these different tax-advantaged vehicles can be taxing in and of itself.

Some say you should be more aggressive with your Roth IRA by funding it with high return investments. Why? You don’t have to take required minimum distributions, or RMDs, and if and when you do take them, you owe no tax — so they should be powered by growth investments. Others argue that just because you already paid taxes on your Roth contribution, that shouldn’t influence your investment style.

To get at the truth of what types of investments should fund a traditional versus Roth IRA, Bankrate turned to several experts who offered widely varying opinions. Read on to see if they might help inform your own strategy.

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