 Open phones at 888-825-5225. So the Roth, when we're talking about putting your money in your retirement in baby step four, 15% going into retirement in good growth stock mutual funds, I spread mine, and I suggest you do too, across four types, growth, growth and income, aggressive growth, and international. Pick good long track records, preferably 10 years or longer, so you've got predictable environment for these mutual funds.