Why continue to lose money in your IRA? Take control and open a self directed ROTH IRA and buy real estate for retirement. This is a great concept that most "finanacial advisors" shy away from because they don't know much about it and those who do, realize that they will not make any money helping you open it. You can own stocks, mutuals, bonds, and many more items like a traditional IRA or ROTH IRA, but the Self Directed IRA lets you do so much more like acquiring real estate, lending money, and retiring with a lot more money independant upon the knowledge and direction of the "financial gurus" that currently run many of the funds available through traditional outlets. I encourage you to check out a few of the companies that offer this which are easily found through a google or yahoo search for "Self Directed IRA". Remember, its not so much about what you make, but how much you keep.