<prompt> Human: Hello, Im currently 21 and saw a lot of advice on here to start a retirement account early. So I decided to give it a go and started a Roth IRA account with USAA. I dumped about 3500 into USAWX World Growth Fund. So far, 5 months later, Ive made about 70. Does that seem about right? I dont know if I should dump more money into it or if I should change it...Also, I keep seeing people posting about compound interest and stuff, but I cant imagine how putting in a couple hundred a month in would help that much considering I only got 70 out of 3500 over the last 5 months. Am I doing something wrong? If so, how do I IRA? _  <response>: Please read the information found in the FAQ particularly I Have X ... What Do I Do With It?! and the Long-Term Investing Start-Up Kit You may find Your IRA and You: Basic Information worth a read as well. 