<prompt> Human: Im looking for some advice for a Roth IRA. Im 33 and have had a traditional 401K since my first job out of college. In 2016 I put my money in a Betterment Roth IRA current earnings 1.2, which I maxed out my contributions. Looking at my returns Im far from thrilled from this decision. I do some trading with OptionHouse and just opened a Merill Edge account where Im averaging 14 returns...understand a Roth isnt an exact apples to apples comparison but still think I should expect more with my Roth IRA.I seem to do better which my personally directed investing than going with these robo-traders but dont know if Im just lucky or actually should trust my own judgement.So Im looking to move away from Betterment but dont know which way to go. Whats a good option for a robo-trader and a good option for self directed? Should I be going much more aggressive since Im only 33 years old?Appreciate all the advice...a newbie here so looking forward to the support.  <response>: 1. A Roth is just a type of an account. Doesnt have anything to do with what you can cant invest in.2. You can dial your risk up or down in any kind of Betterment account.3. If you didnt already know that, your 14 gains via self-directed trading is probably a bit coincidental. ; 