While the Roth IRA offers the tremendous advantage of tax-free investments, it has long been the stepchild of Individual Retirement Accounts. Traditional IRAs totaled $3.167 trillion in assets at the end of 2008, according to the Investment Company Institute. Roth IRAs, previously available only to those making less than $100,000, had only $173 billion.

Fund companies are now looking to convert more investors into Roth IRA believers, thanks to a provision in the 2010 Tax Increase Prevention and Reconciliation Act that allows higher earners to invest in them.

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