If you meet income requirements, the Roth can give you tax-free earnings growth; if you've held the account for at least five years and are older than 59 ½, you also get tax-free withdrawals. Contribution limits for tax year 2008 are $5,000 for those under age 50 and $6,000 for those older than 50. Investment options from Union Bank include money market savings, CDs, mutual funds, stocks, brokered CD services in which CDs are held by multiple banks, and fixed income securities.