<prompt> Human: Hi rpersonalfinance, I have a Roth IRA which has a rate of return at 0.5. Its a Vanguard Federal Money Market Fund Settlement fund. The dividends get reinvested, but I dont see how its so low compared to an expected 8 Am I doing something wrong? What can I do to better this?  <response>: Youre confusing the type of account with where you invest the funds inside the account. 