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BrainBurner, I love index funds - at this point in my investing career I'd have to invest (hehe) a ton of time and energy into value investing before I'd see returns that could be reasonably relied on to be an index fund... So for now that's all I roll with. I'm in Canada so I've not learned what a Roth IRA or 401(k) are yet, but I'll get there :) Quick ELI5 on the Roth? Is it a wrapper that grants tax benefits to whatever vehicle is inside of it?