What's your plan?
A) To hold the money long term in a fixed income asset? You'll be hard-pressed to generate wealth without investing in risk bearing assets.
B) To hold the fixed income assets until the market bottoms out? Timing that is nearly impossible to time.
right now I'm still renting, and hope to buy a house in the next yr or two, so I was hoping to get some small return out of it (tax free), and obviously i don't want to play with that money. when I want to buy a house I would then pullout the principal (or maybe even the gain if it qualifies) and use that as part of my down payment,
if in the best case scenario my other savings continue to grow and i get some outside help and i dont need that money for my down payment, then once i buy a house i would then invest it for the long term (retirement) in that roth account