burley, dude you know better, REAL ESTATE!!! use your IRA self directed to buy real estate. tons of different ways to do it. went to a real estate investing lunch yesterday and a guy only put 1k in his roth IRA never added any other money, but used it for real estate deals and now has 750k in the account.

I asked my accountant who sees over 300 returns a year. how did the wealthy people get there. None of them got there from mutual funds and the stock markets, 120k in a 401k invested in the stock market is not my idea of wealthy, BTW.