<prompt> Human: I have about 13k in a roth IRA account. In addition I have a 401K account through my job and recently started investing with Robinhood. I recently noticed my IRA dividends were a measly 1.33 a month. When I checked my 401K my rate of return was 12! I want to get more out of that 13k, and I feel like id get better returns in a basic savings account. Is it wise to transfer it into my 401K to get better returns? Or even put it into Robinhood and buy trust funds and some other high profile stocks that are pretty much guaranteed to grow? I hate seeing that money go to waste bringing in pennies.  <response>: I think the problem isnt the IRA per say, but rather what you have invested in the IRA.I dont know what institution you have your roth ira with, but I do think you should make sure that its a self-directed one basically a Roth IRA where you can choose your investments.If its not, I think you should consider switching to a different institution that does offer an self-directed roth ira account for example, I use schwab.Also, to answer your questions,1. It is not wise to transfer to your 401k because you would be mixing up post and pretax money. This would lead to you paying taxes on the same money twice which is bad.2. Dont put it in robinhood, you can buy trust funds or some high profile stock in a Roth IRA. You just need to make sure its a self-directed Roth IRA so you can actually make those decisions. 