IRAs

How should I invest my IRA money?

With a few exceptions, you can invest in just about anything: mutual funds, individual stocks and bonds, annuities and even certain real estate. The IRS does have a few restrictions for IRA funds, including lending money to yourself, using it as collateral for a loan and buying real estate for your personal use.

Similar to any retirement investment, it’s a good idea to diversify your assets among stocks, bonds and cash. Stocks can provide long-term growth potential, while bonds and cash offer some protection against market setbacks. For more on asset allocation, see “What’s the best way to divide my retirement investments?”

Your browser, Internet Explorer 8 or below, is out of date. It has known security flaws and may not display all features of this and other websites.

Learn how to update your browser