PRFZ - （Invesco FTSE RAFI US 1500 Small-Mid ETF）

Barron’s published an article in September 2021 that discussed how to invest in a Roth IRA to maximize potential returns. While it didn’t specifically address the best funds to buy for a Roth IRA, it did provide suggestions on where investors should allocate their hard-earned savings. It noted that billionaire tech investor and co-founder of PayPal (NASDAQ: PYPL ), Peter Thiel, put $2,000 of his founder shares in his Roth IRA in the late 1990s. When Barron’s published the article, the shares were worth $5 billion. Thiel is currently 54. If he waits another 5.5 years, he’s saved himself a massive amount of taxes. One of the article’s themes was that riskier investments belonged in Roth IRAs because you can withdraw the assets once you turn 59.5 and not pay a single cent of tax on the gains. However, if you lose money on your investments within a Roth IRA, you can’t deduct the capital losses against capital gains held outside your Roth IRA in taxable accounts. I think it makes sense for most investors to be aggressive with their Roth IRA investments, but not too much so.