<prompt> Human: A few years back opened Roth IRA with Golden 1, now have about 15,000 in there, but it hasnt grown much at all. When I opened account they showed me ideal chart of how much it will grow over time, but nobody said I have to pick some places it should be investing in, doesnt the bank pick safe investments and thats how I grows? Any advice before I go discuss this with the bank to see if they can offer any options?  <response>: No, its an individual account. You have to choose the investments. They could give you a recommendation, but they dont put the money into them.Most bank IRAs limit your investment choices. You probably want to move that somewhere else, like Schwab, Fidelity or Vanguard. 