One of the best retirement vehicles investors can take advantage of is a Roth IRA — which is similar to a traditional IRA except that the money put in is already taxed, so that when the account owner needs to pull it out later on, they can do so without paying taxes on those earnings and withdrawals. Limits on Roth IRAs are strict; in 2017, most investors can contribute just $5,500, but once that money is in there, where should it go?