From what I understand, you put money into this account (either post or pre taxed based upon what type of ira ur doing) and you invest it in certain things. But what I don’t get is how does this mean your money is consistently going up? Wouldn’t the money increase or decrease based upon the stuff you invested in, since it isn’t concrete money but invested money.
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Yes, it may go up and down in short term — your IRA might be lower today than in January — but over time a diversified portfolio of investments should go up 7-10% annually on average.
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