<prompt> Human: Hello, so Im 20 years old and just opened my Roth IRA after starting an internship. I told my mother, who was never into investing money into stocks or anything, about it and she wants to start as well. Being a little over 50 years old, is it worth starting a Roth IRA? Or is just leaving money in a savings account a better option? If starting a Roth IRA is a better choice, what mutual fund should I put her money into? Im with Fidelity right now in the 2060 Index Fund, but I looked at the 2030 Fund for her and the ER seems a tad high for what it is offering.  <response>: A traditional IRA may be the better choice, since she is unlikely to have significant salary growth between now and retirement and will likely reduce her expenditures somewhat in retirement.But a Roth IRA would still be better than a savings account.Both Vanguard and Schwab offer great Target Retirement Funds with low fees. 