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The No. 1 Roth IRA mistake for beginners & it’s one of the most costly: Putting money into a Roth IRA but never investing it. A Roth IRA is just an account. If your Roth IRA contributions are sitting in cash, they’re not growing. How to invest a Roth IRA: Choose investments inside your Roth IRA that match your risk tolerance and long-term goals. Check out my investing guide! Investing subject to risk education only. Keywords: Roth IRA mistake, how to invest a Roth IRA, Roth IRA beginner, Roth IR