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Unfortunately there is no such thing as a completely fee-free Roth IRA. Providers have expenses and must charge their clients some sort of fee for running the investments inside their retirement accounts. If Roth IRA providers truly charged no fees they would all go out of business. The no-fee Roth IRA is a marketing tool used to get your attention. Individuals interested in a Roth IRA should focus on providers that have the lowest fees for those investment that match their investment goals.
The Roth retirement account is a little different because you donât get a tax deduction for your contributions but you also donât pay taxes when you take disbursements. Your money grows tax-free all the same, you just pay taxes up front. This can be an advantage if you think that taxes will go up in the future.