this post was submitted on 09 Jul 2025
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IRAs are tied to stocks.
There’s no way to “avoid the stock market entirely” using this. Yes, you should balance how you want your tax burden to look in the future by deciding how you wish to invest in Roth or regular IRA. IRAs are also limited to how much you can contribute, whereas traditional stock investment does not.
I don’t want to get too deep in the weeds here for investing strategy. There’s pros, cons, and costs to each of these kinds of investment. People have to look at all of these, their personal capabilities, and risk tolerance. Personally, we’re (another key word here:) diversified across multiple investments and someone absolutely should take advantage of the same if they can.
I wasn't the one who said to avoid the stock market. I just got the feeling that your comment I was replying to was saying to just place money into a high interest savings account and wanted to throw an alternate opinion out there
Ah, sorry didn’t see the name change. No, that was never my intent. Diversification is a must.
No worries! Have a wonderful day!