<prompt> Human: Im 18 and recently got a job. Im looking to invest for the long term Retirement and have been looking into ways I could do so. I heard Roth IRAs would probably be my best bet. But Im having trouble understanding the percentage I would gain from investing. I couldnt lose money correct ?  <response>: I couldnt lose money correctYou can lose money. The IRA gets invested in stocks and bonds which can go up and down. The accounts may also have fees which get taken out of the balance. 