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It’s time to say happy birthday. But we aren’t talking about Baby New Year. We’re talking about the humble Roth individual retirement account (IRA). With the new year, the savings vehicle – which provides a ton of benefits for savers – turns 20 this year. That’s wonderful news considering that the account type almost didn’t happen.

What’s not so wonderful is that, despite the benefits of the Roth IRA, most investors continue to opt for the traditional version of the IRA. Over the long run, that could be a major mistake. For investors, the now 20-year-old Roth should be your first destination.

Learn more about Roth IRAs here.

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