Craig Wear, CFP®Craig Wear, CFP® | Expert in Roth Conversions & Tax-Efficient Retirement Strategies for IRA Millionaires

The Biggest Roth IRA Mistake Investors Make

9 Nov 2025 · 0 min

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0:23

A short video clip by Craig Wear, CFP® warns that merely depositing cash into a Roth IRA without investing it (leaving it in a money market/savings-like account) is a critical mistake. The speaker emphasizes that failure to invest funds into stocks, ETFs, bonds, etc., can cost investors large sums—potentially hundreds of thousands to millions—by retirement.

Are you missing the most important step with your Roth ira? Putting money into your Roth IRA isn't enough. If you just deposit the cash and walk away. It's probably just sitting in a money market account, which is basically just a savings account. The growth comes when you actually invest in things like stocks or ETFs or bonds or all kinds of things. But without that step, you could miss out on hundreds of thousands or even millions of dollars in retirement.