<prompt> Human: So I started a Roth IRA a couple of months ago. I heard it was a good account for young ppl to start in order to prepare for retirement. I assumed it was just a glorified savings account, where I put money in and because it was set aside for retirement that it would have a large interest rate and that they would do some sort of auto investing. Now I have learned that, it seems to be more of an account that is used to invest in stocks, funds, bonds etc...My question is now what do I do lol? Should I close the account and start an account with one of these Robo investors?Should I keeping putting money into the Roth IRA and invest in stocks, funds, and bonds...Also how is it a good retirement account if how much I garner depends on how well invest. What makes this different as opposed ti if I just bought stock without opening a Roth IRA?  <response>: Read the FAQ on retirement accounts and IRAs. 